Home
Public Forum
Credit Reports
Apply For Cards
Credit Directory
Credit Overview
Credit Problems
Credit News
International
Credit Glossary
Purchase Books
Credit Laws
Business Credit
Merchant Accts
   

Re: letter from RMA


[ Follow Ups ] [ Post Followup ] [ Credit Forum Index ]

Posted by LadynRed (66.20.107.167) on January 30, 2003 at 21:18:23:

In Reply to: letter from RMA posted by Pumphouse on January 30, 2003 at 20:49:03:

If it was a personal loan, it would make a difference because the SOL's are often different for written contracts. However, if this debt is truly from 1990, and that's when it went delinquent, then there are very few states where the SOL has NOT run out on it. For SC its 3 years, very short. What state did you live in in 1990 ? I think it makes little difference, I don't think there's any state with an SOL for a written contract of more than 10 years.

You can go with debt validation, it may work, but RMA is bad for ignoring it. You'll need to see if you can come up with anything that will tell you for sure when it went into default.

Did RMA's letter include the mini-miranda ? Did it include the 'right to dispute' paragraph ? If not, that's 2 violations of the FDCPA you can sue them for. Was there ANY info on that letter at all that gave any dates ?

Personally, I'd send them WhyChat's expired SOL letter and chase them off like the rabid dogs they are.


Follow Ups:



Post a Followup

Name:
E-Mail:

Subject:

Comments:

Optional Link URL:
Link Title:


[ Follow Ups ]   [ Post Followup ]   [ Credit Forum Index ]

 

    Top Of Page

  

Copyright © 1999-2002 Enkephalos Web Design