Re: WHY CHAT-past sol, balance on Cr from collector, your letter.

Posted by Why Chat (209.240.198.61) on February 01, 2003 at 15:21:56:

In Reply to: Re: WHY CHAT-past sol, balance on Cr from collector, your letter. posted by observer on February 01, 2003 at 09:05:23:

It is true that SOL only covers lawsuits, however, the FDCPA clearly states that any collection activity that is deceptive is illegal.

In Ca. & some other States there have been Court rulings that collection activities beyond the LEGAL collection period are deceptive and therefore barred.

If you put a CA on notice, legally, with the SOL letter that the debt is time-barred, they are under an obligaton t discontinue all collection activities.

SO-- if you have notified them with the SOL letter that they cannot legally collect -- and you dispute to the CRA, they are legally prohibited from verifying the debt to the CRA as that is considered a collection activity.

NOW, if they DO continue to report, you can send the CRA a copy of the SOL notification,(with a green card copy) and advise them that they may be sued along with the CA.

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