Re: Items past 3 year SOL and still trying to collect...

Posted by Kevin (24.166.253.162) on April 17, 2003 at 02:33:54:

In Reply to: Items past 3 year SOL and still trying to collect... posted by momofthree on April 16, 2003 at 23:53:16:

You can't sue them because they haven't violated the law in a way that can be proven in court.. yet.
They, however, cannot sue either. It's past the SOL.
Keep a tape recorder handy. Wait for them to call. Read the FDCPA:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Understand it. Understand it WELL.
Listen to the tapes and see if anything meshes.
Save all mail communication.
Hell if you don't feel like dealing with any of it, send them a Cease and Desist now. If you want to add insult to injury, add a nice little line that states her representation to you that they may place any information regarding this time-barred debt on your credit report, is appreciated. It's been added to the evidence file you've started on them. :)
Be SURE you're past the SOL before you do that.

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