collection agency

What state are you in? It is more thank likely past the SOL. Send them a FOAD letter and tell them to pound dirt.

Yes...the statute of limitations varies by state.

I would send the CA a DV letter. Chances are they won't be able to verify the account, but if they do, send them a letter stating the account is past the SOL. (MAKE SURE IT IS!!)

Even if SOL is still running, it is way past the 7.5 year reporting period so it should never appear on your credit reports. If it does, go straight down to the courthouse and file. Who is the CA?

I AM IN NY.
EVEN STRANGER IS THE INITIAL CARD COMPANY ISSUED ME A NEW CARD ABOUT 3 YEARS AGO WITH A HIGH LINE OF CREDIT. THEY OBVIOUSLY WERE OVER THE ISSUE. I AM WONDERING IF SOME AGENCY BOUGHT A LIST AND IS HOPING SOME PEOPLE PAY RATHER THAN BE BOTHERED.

you most likely hit it on the head guest.

Sorry, recent response from"guest" is actually from me.
clearly the debt from 1995 is past SOL, but i am tired of calls to my house and cell phone.

SOL in NY is 6 years so you're way past that as well. The OC probably sold the account to a JDB and eventually purged their records. I would send them a full ceae comm FOAD letter telling them to never contact you again. When they sell it to another JDB, rinse and repeat.

Thanks for the reply.
What is an FOAD letter? is it basically a cease letter or form?
CA is Asset Acceptance LLC in Warren,Michigan

Fu$# Off And Die

Dear ASSHats,

I am never going to pay this debt. Ever. Cease your collection efforts

Love,

Pretz

FOAD is a polite way of saying f*ck off and die!!

Yes, send them a DV letter with a c&d...that should get the job done.

...and Nascar...BEHAVE!!1 ;)

Thanks everyone.

I am having difficulty with understanding the date on the report. How do I count the years that its old. Is the statue of limitation the date you opened the account? or the last date reported as up dated - which is from the collection agency. It says B of A sold this acct. to another lender. there is no amount but the date is 2007.
It said the acct. was opened in 4/1999. Then in 2007 a Factoring Company Account claims $11000. Owing in collection current from them. Says orig. creditor was B of A . But these two have different account numbers on them. The only link is maybe with the date of transfer. Can I say SOL to them?

SOL begins running with the Date of Last Payment. The JDB's account number will be diffreent than the OC's but would reference the original account number.