Re: letter from RMA
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Posted by LadynRed
(66.20.107.167) on January 30, 2003 at 22:10:55:
In Reply to: Re: letter from RMA posted by Pumphouse on January 30, 2003 at 21:39:00:
If they left off the mini-miranda "this is an attempt to collect a debt, blah, blah, blah", that's one violation. If they didn't include the 'you have 30 days to dispute' paragraph, another violation !! I'm dealing with these scumbags, that's why I asked about those. By law, the FDCPA, they HAVE to include the mini-miranda on all communications and they have to include the right to dispute section on their first letter to you. "Date Owed" is a bit strange, but not unexpected from a CA - its an attempt to confuse things. At any rate, the SOL in SC is *3* years for written contracts as well as credit cards - so unless it went to default within the last 3 years, then the SOL has expired - no need to validate.. you just need to make them go away! They cannot sue you to collect any more.. this wolf has no teeth.. so give him a hard whack on the snout and make him run !
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