Law Office of Curtis O Barnes

At first ask Curtis Barnes to validate the debt in writing via certified mail with a return receipt request. I guess the SOL period in your state has expired, so they won’t be able to take any legal action against you.

Your first clue should come from your credit report. The negative tradeline from Beneficial should be on the report if this is within 7 years. If not, the conclusion is obvious. The SoL is calculated from your date of last account activity so in case you have any documents pertaining to that, you can verify if it has been 7 years from then. Also, you can ask for the physical mailing address of Chris O Barnes and send them a DV request via CMRRR. Just do not admit to owing the date in any way.
As far as I can tell, this looks like bottomfeeder activity.

I sent a certified letter with return receipt today even though it is past the 30 day dispute period. (I never received the "original" letter) I used one of your sample letters and made it my own, including using the Statute of Limitations in Pennsylvania and asking if the "alleged" debt was bought by or assigned to Fortis by Beneficial. These losers probably paid 05. on the dollar and are trying to collect 14,000. We'll see what happens.

the SOL IN PA is either 4 or 6yrs depending on the debt type.if you are sure this is past SOL send them an FOAD letter.btw PA is non-garnishment so they are your typical JDB.