Pro Collect SOL Expired

You could use something like this one,It's up to you but this is how I would do it. Yes the SOL in Texas is 4 years so a complete cease and desist is in order to shut them up. as long as you have proof then do nothing but send them this letter. If they ever sue you, you have them over a barrel and are looking to score some buck from them.....You should also check your credit reports to be sure they haven't been poisioned by these companies.




Your Name
Your Address
City, State, Zip

(Sent via CERTIFIED RETURN MAIL with RETURN RECEIPT)

Date:

XYZ Collection Agency/Law Firm
1234 Main Street, #100
Any town, USA 10021

Re: File #0000000 - ABC Bank - #4445566778899000 -For: $5555.55

Dear Debt Collector /Debt Collector Attorney:

This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.

I/We have decided that we do not desire to work with a collection agency under any circumstances. Do not contact me any further by any means. All collection efforts are to stop upon receiving this letter. The alleged debt is time barred.

You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.

Sincerely,

Your Name