Hello all, I haven't posted here in a while. I hope everyone is doing well.

I got a letter today from "The Law Office of Lawrence A. Hecker Attorney at Law". I have an old zombie CC debt from First North American National Bank that every so often I get a collection letter from some JDB. This one says the "law office" represents Cavalry Portfolio Services who has placed the account for collection. That's BS. Maybe Cavalry SOLD the debt to this place, but even I know that's as far as that relationship goes.

This debt is over 12 years old. Charged off long ago and long past the SOL here in Florida where I live. I am not even sure FNANB is even still in business. Every year or so I get a collection letter on it. I'm not paying it, and I don't want to have to contact the "attorney" but should I? It has the usual "contact us within 30 days to dispute" yadda yadda yadda BS.

Am I right in thinking this is just another sleazy CA trying to scare me into paying them on this long dead zombie debt? Does it merit any real attention since it is "from an attorney"?Should I be shaking in my shoes because they threaten to "consider all available remedies to them" if I don't pay?

I am really tired of this but I guess it will never ever really die. It's not on any of my CRs and has not been for a long time. My credit is good now, in the middle 700s. Thanks for any help you can offer.

Jimmy

That's all it is - a threat. If they do sue you go to court with the SOL defense.

Thanks very much. That's what I thought it was. I appreciate the help here.

Jimmy

With it being 12 years old, I wouldn't even respond to the letter. Why give them a chance to even TRY saying "his letter restarted the SOL because he admitted he owed it"? Yeah it PROBABLY won't happen and yeah you could PROBABLY successfully argue against that, but I wouldn't even open that door. Leave it shut, locked, and bolted.