Cavalry Portfolio Services, LLC
Date: Tue, 07/04/2006 - 20:45
I am writing today to ask for assistance with a debt on my boyfriend's behalf. In March this year he received a bill for about $150 from a past due amount with Sprint. The thing is, the account tied to this amount was only open for about a month and closed in 2001. He never received any bills or communication from Sprint or this Cavalry Portfolio Services place in Hawthorne, NY in five years.
Then this March he got the bill. I did research on this collector and I found a whole bunch of fraudulent posts at ripoffreport.com/ so I assumed it was a scam.
We wrote them a letter asking for proof of amount due which they just got back to us on this week (now July... 4 months later). In the letter it states that they complied with 15USC1692g(b) and my BF needs to pay.
So after researching debts tonight, I verified that yes they did their part in providing proof to us, now we want to dispute the now $166 because the bill is from 2001.
So here I am... What exactly is the SOL period for WI and how should I go about disputing it further??
I also want to add that we do not have huge debt and so debt consolidation is not needed for us. We simply need advice and a the SOL period for WI.
If you can help us, please do. I will forever be greatful!
As per the state laws of Wisconsin, the debt runs out of the SOL
As per the state laws of Wisconsin, the debt runs out of the SOL period after 6 years from the date of last payment. It seems that your debt will require some more time before the SOL expires legally. During this time, if this CA is doing legal collections, they can push the matter towards the legal side.
The debt collector has validated the account in the first place. If you have a genuine reason to dispute the item, ask the company to verify the amount. They need to provide the necessary information on how this amount occurred. Without complete info, you can refuse to make the payments. It will be better to do your correspondences in writing with the company. If they take the matter to the court, you need to show your proof about taking care of this matter.
Have you tried to reach the original company? If this account is not sold, you can resolve the problem directly with them. Hope it helps.
