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Re: Bank of America account turned over to attorney


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Posted by Why Chat (209.240.198.61) on September 17, 2002 at 23:41:28:

In Reply to: Bank of America account turned over to attorney posted by wisspurr in Alaska on September 17, 2002 at 22:46:34:


I would suggest that you request they contact you by mail only, they are supposed to send you a letter with a "mini-mirands"

Alaska does not allow CA's to collect from State residents unless the CA's are licensed and bonded in Alaska.I THINK there is an exception for contact by electronic or mail -but I am not sure.

In any case, Alaska's statute of limitation forbeing suedon a credit card account is 3 years. This would start from your last payment or charge on an OPEN account, so unless you were still able to use the account when you were making "hardship payments",your SOL would be dated from your last payment in 1999.You credit report should say what your last activity date is, or on your Experian report it should tell you when the account is to be removed. If you deduct 4 years from THAT date (7 year reporting SOL) you will have a date that is your State's 3 year SOL.

If you wish to check further, check with the Alaska Sec. State's office to see if that CA is licensed to collect in your State.


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