What do I say?
Date: Thu, 05/28/2009 - 15:24
Just cease and desist letter them each time they pop up and reme
Just cease and desist letter them each time they pop up and remember to NEVER acknowledge the debt is yours as I have seen horror stories every now and then about this tape resetting the clock (I don't know how but some judges have allowed it).
I would at least talk to them once so you know what account they
I would at least talk to them once so you know what account they are referring to. I'd also pull your credit report to see if anything is on there. Are you sure it's for you? Are they leaving messages? They could be calling for someone else, hence why I'd be inclined to talk to them at least once.
Btw here's the SOL for KY I would believe CC debt would fall under the open-ended accounts, but I could be wrong.
Oral Contract: 5 years
Written Contract: 15 years
Promissory Note: 15 years
Open-Ended Accounts: 5 years
They are considered open ended. I know that they are at least 1
They are considered open ended. I know that they are at least 12+years since anything was paid on them. I don't have an address to send them a ceist & desist. So, here's what I'm working on:
The call starts :This is Tom with ABC collections and any information used it to attempt to collect a debt. I'm calling about your past due account from your XYZ store card. You owe $1 million dollars and that needs to be paid today. "
How do I respond?
When was the first call done (or around) if you have a phone num
When was the first call done (or around) if you have a phone number on caller id we can probably google it and find the address.
But to answer your question it depends on when they first contacted you. If they first contacted you say over a week ago, tell them you will not talk to them until you receive something in writing from them (called a dunning letter). By law they have 5 days after first contact to send one out. If they persist, tell them that the debt they are trying to collect is beyond statue of limitations and again, that you will not talk to them further regarding said debt until your receive the dunning letter. If they say they don' t have to, and that you will be arrested and any of the other tactics they may use, simply remind them that they are breaking the Fair debit collection practice act and hang up.
Hi Workingthroughitall, The answer is: "Thank you. As soon a
Hi Workingthroughitall,
The answer is: "Thank you. As soon as I receive your dunning letter in the mail I will contact you. have a great day!" [click]....
Check out Debt Collection FAQs: A Guide for Consumers for more info on the process.
