If they filed suit before the end of the SoL date (date the last time you used the card or date of last payment) then it would be valid. If they filed after that then it you will be able to get it dismissed.
Remeber though, that the debt is still collectable after the SoL expires, the SoL only protects you from legal action when it is expired. Even after it falls off of your credit report they can still make inquiries, which hurt your score.
On the credit report it says that the last payment was in 2002... so the SOL has expired..
I just have another year before the thing is removed from my credit report.
....I will still send them the DV....and I plan on filing a complaint with attorney general because of an fdcpa violation--after they respond to it... (release info to 3rd party)
By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.