Need help with letters to CA

Be careful that you don't restart the SOL on these old ebts. Someone more familiar will be along to help you.

Yes, I agree with guest. First check whether the debts have past their statute of limitation. If your debts have passed their sol then no CA or creditor can collect from you.
But if they are still within SOL period then you can start by sending debt validation letters to CAs. If they can't validate then dispute the false listing in your CR with the credit bureaus.

If they do validate then you can negotiate with them professionally and send them pay for delete. But I don't think the CAs will remove the listing from your CR.

I believe the SOL in my state is 5 years and most of these accounts are 2-4 years old. Most of them have not been actively trying to collect from me, and I didn't even know they were there until I pulled my reports.

So you are saying that since the SOL is not up yet, by sending these letters I would be restarting the SOL?

Sending a letter DOES NOT restart SOL only making a payment or acknowledging the debt will restart it.

Also a debt is valid until paid, SOL only stops the collector from using the courts from forcing payment. A few states actually void the debt at the end of SOL but it is only a few.

Thank you all for your help so far!

So should I be worried that once I begin this correspondance with them, that they may decide to bring me to court?
Or does it just mean that I have less leverage with them since the SOL is not up yet?

Do I just continue with the plan that I outlined in my original post?

No, you actually gain advantage by forcing them to prove that the debt is valid and that they are the rightful owner/collector of this debt.

If they can't prove the debt then they have no ability to sue you.

A few more questions...

Do I need to contact any of the CRAs on these issues now, or do I wait to see if the CAs validate the debt or not?
I thought I read on here somewhere that when you send a DV letter to a CA that you should also send it to the CRA as well.
Would that be condsidered disputing the debt with the CRA?

I just want to make sure I do everything in the correct order.

Thanks again for all your help!

You don't DV the CRAs you challenge the entry and the CA has to verify the info.

Now if you have DV the CA within the first thirty days from receipt of letter the CA can't continue collection activity which would be verifiing the info.

So you want to DV the CA (certified mail, return receipt) and once you get the receipt back then challenge the entry on your Credit report.