Re: harrassment
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Posted by LadynRed
(199.91.33.254) on January 28, 2003 at 15:50:57:
In Reply to: Re: harrassment posted by harley on January 28, 2003 at 15:43:21:
Wow, what a crop of illegal threats !!!!! Yes, if the last time you made a payment was April 1999, then the SOL should expire in April of this year. You need to read the Fair Debt Collections Practices Act (www.ftc.gov) and keep a copy of it near your phone ! The threats of the sheriff tagging your stuff and taking your property is pure BULL !! They have to sue and win, first - they can't do jack squat w/o that. Even if they DID sue, there are exemptions from judgments just as there are in bankruptcy and the chance that they'd get ANY of your property is pretty slim. Per the FDCPA, they are not allowed to make threats or threaten legal action which they cannot take or do not intend to take. If you think you need to stall these nasty CA's, start debt validation on them, and send them a cease and desist letter limiting the to MAIL only, no phone calls. If they violate that, its more violations of the FDCPA. You can stall them for months, maybe even get them to back off until the SOL DOES run out. If you've got your credit reports, look for the 'date of last activity', that starts the SOL. If you don't have your CR's, get them now.
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