Quote:
Originally Posted by Anonymous
according to the book club my account was written off from 2005, how long can rjm harass me
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Depending on your state of residence, it can be up to 7 years. They can ACTIVELY attempt to collect the debt for that time.
They can only report it for 7 years from the ORIGINAL MISSED PAYMENT date, or last time YOU agreed to any payment arrangements, or made a payment.
Visit
http://www.fair-debt-collection.com/SOL-by-State.html
If they are in the wrong (and aren't they all) find where to report them in your state government.
Write them with the following in BOLD CAPITAL LETTERS "THIS IS NOT IN ANY WAY AN ACKNOWLEDGEMENT OF ANY DEBT, NOR IS IT AN OFFER TO PAY ANY DEBT."
Sommat like this;
Dear Sir(s)
In reference to the recent letter you wrote me on XX MONTH XXXX, concerning account number XXXXXXXXXXXXXX.
THIS IS NOT AN ACKNOWLEDGEMENT OF ANY DEBT, NOR IS IT AN OFFER TO MAKE PAYMENT ON ANY DEBT.
Nebraska Statutes of Limitation :
Real estate or foreclosure mortgage actions; product liability; 10 years.
Foreign judgments, contract or promise in writing, express or implied: 5 Years.
Unwritten contract, express or implied; Recovery of personal property; Relief on grounds of fraud; breach of contract for sale of goods; and open account: 4 years.
Liability created by federal statute with no other limitation: 3 years. Malpractice: 2 Years.
NOTE: SoL can be interrupted by partial payment or written acknowledgement of debt. The statute starts to run anew from the date of the partial payment or written acknowledgement, (Neb. Rev. Stat. §25-216)
NOTE: Actions on breach of contract for sale may be reduced to not less than one year.
>>>THAT FIRST NOTE: IS WHERE THEY ARE TRYING TO TRIP YOU UP!<<<
I have notified my state regulatory agency that I believe that you are in violation of said statute, and have asked them to investigate and prosecute as necessary.
If you continue to attempt to collect this debt, I will forward this to an attorney for lawsuit.
Sincerely,
John F. Doe