I had a check that bounced due to NSF in 1995. The collection no longer shows on my CR's but I just received a letter from someone representing the Co. that I wrote the check to threatening to sue me for 3X's the amount of the check written. Can they still collect on this after 9 years? I live in the state of VA.
I would send a VD letter to the CA. When they have proved that the account is time-barred, then and only then, would I send a time-barred C&D (or ignore it). You want to have the proof from them that the account is not valid, so that if they try to sue you anyhow, they can't try to produce an instrument with a newer date. In most states they can not charge the triple damages, or interest, or any other fees until they have successfully sued you, and won. This is one of the common ruses by NCC and the other companys which have tried to take their place. They include all the fees that they are entitled to after they would sue you, and hope that the consumer is nieve enough to pay them the inflated amounts.
