Making the assumption that the federal law sets the SOL at 2 years, you could dispute this with the CRA. You'll want to do that before you sue anyway since that is part of the process of correcting messes on credit reports.
That'll probably work but it's a bit wordy for my taste. I like it short & sweet: RE: your account # XYZ123ABC 1. I dispute this debt in its entirety. 2. I request verification pursuant to the FDCPA. 3. It is inconvenient for me to receive telephone calls about this debt at any time and at any number. 4. Please send all correspondence about this debt in writing to the following address. Your Name Here. I also add the certified mail number to the bottom of the letter.
As DB said, be sure to dispute it through the CRAs website (or by mail, if you really want). If you do it through the web-site, take screen shots or print of each screen to keep as a record. It's possible that's all you'll need to do to make it go away; however, you might need to wait 4-6 weeks for the process to work itself out. If that doesn't work, then you need to know the two things that collection agencies understand: - Cash - Law suits Unless you are sending them one or the other, most likely your letter will become so much bird-cage lining, but that all depends on the agency.
ccbob Thanks much and now I have to go edit another post as I thought it was Dumb Bob that wrote this.. DUMB WOOFER
