Portfolio Recovery Associates
Date: Sun, 12/12/2010 - 18:06
These people have been calling me (no message) since 10/21/10. I made the mistake of picking up the phone once, and was asked about a debt. I hung up on them. They've called 1-2 times daily since then. In the last week or two, they've left 3 prerecorded messages. They have not sent me anything in writing.
The debt is from the early 1990s (1991-1992). This is past any SOL of which I'm aware, including that of my state (Texas). I'm considering sending a debt validation letter, instead of a cease-communication/C&D. I don't want to aggravate them into legal action; I just want them to leave me alone. What would be the wisest course in this situation?
The debt is from the early 1990s (1991-1992). This is past any SOL of which I'm aware, including that of my state (Texas). I'm considering sending a debt validation letter, instead of a cease-communication/C&D. I don't want to aggravate them into legal action; I just want them to leave me alone. What would be the wisest course in this situation?
well if they try to sue on a debt past SOL then you use that as
well if they try to sue on a debt past SOL then you use that as a defense,or answer in court.i promise it will be thrown out.get the complete C&D letter certified mail return receipt.if you send a DV they might respond by suing anyway.you know this is 'TIME BARRED" so why delay?this is a dirty bottomfeeder that violates the FDCPA hand over fist.again send the C&D letter noting you know it's past SOL,and never contact you,or anybody about this again.
