Questions

In Oregon the SOL's are:

Oral Agreements 6 Years
WrittenContracts 6 Years
Promissory Notes 6 Years
Open Accounts 6 Years

Credit cards are generally considered Open Accounts. Auto loans and other installment agreements are Written Contracts

Thanks Goudah. I just got a letter from RJM for an old Fingerhut account. It was probably in the mid 90's when I had this account. It is for 129.00. I have disputed this on my credit report, and thought it was taken care of, and then I got this letter in the mail. Any suggestions?

I would ask them to validate the debt. The SOL starts on the date of the last activity. So if your last payment was in the 90's it is very much past the SOL. If it is past the SOL I would write a letter to them telling them that it's past the SOL and that you don't wish to be contacted further about this matter.

The Statute Of Limitations only covers lawsuits, and SOL expiration does not affect other types of collection action. The creditor or collection agency may theoretically continue with letters and telephone calls forever (although third-party collectors are subject to the "cease and desist" provision of the Fair Debt Collection Practices Act.) However, they will generally put much less effort into collecting "Out-Of-Statute" debts, and may give up easily.

How do I get the debt validated. Is there a letter I need to send them. I am really tired of trying to call people and be treated horrible on the phone. I can't find an email for them either.

Here is a link to a debt validation letter template.

http://www.debtconsolidationcare.com/letters/sample6.html

Send the letter via certified mail/return receipt requested. Include a copy of the letter they sent you with your debt validation letter. If you don't want them calling you, should they be able to locate your current home/work numbers, include a request to cease and desist contacting you by telephone, and send all future correspondence to you regarding this matter in writing via USPS mail.