confusing SOL question
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Posted by kanman
(65.30.76.36) on September 08, 2003 at 22:15:44:
First off, the basic info. I live in Kansas and have an old Credit Card account, which has been "charged off". I recently received a letter from a company, saying they had bought my old CC account. They keep leaving phone msg's on a relatives answering machine (I don't have a phone) ending with "call us within 24 hours to avoid the next step". I checked my Credit Reports this evening and found this info. My original CC company reports a date of last activity of 05/1999, date reported 02/2000. The CA reports date assigned 12/2002, date of last activity 02/2000, date reported 01/2003. I know in Kansas the SOL is listed at 3 years, but when does it begin? I was under the impression it started on the date of last activity, which I don't understand how the CA can report a different date of last activity than the original creditor. Also, could the CA claim that since they were assigned this account before the SOL (According to their date of last activity) that they still can seek judgement against me and the SOL hasn't elapsed? Thanks in advance for any help
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