A CA just called on two cc charge offs... Basically he started badgering me about paying... So i said this is the first ive even heard from them and i will be disputing asap.. Then he asked what am i disputing?? i said the accounts themselves... He said well then well just have to sue you then. i said go ahead and click. Validations going out today and these are from 97 and 98.. did i do the right thing?
[HI fellow Buckeye.QUOTE]Originally posted by neosmatrix i live in ohio. ive read at different sites open acccounts 4yrs some sites and 6 yrs at others?? [/QUOTE]
Actually that would be 6 years for oral agreements and 15 years for written agreements... some sites say 6 years for open-ended agreements, but I can't find anything to support this in OH laws?? In any case, if this is a ca and this is the first time they have spoken to you on the phone, they MUST send you a letter within 5 days of todays date with the validation notice on it. I would send validation out to them now anyway just to cover yourself. If they do not send you a letter with the validation notice - they have definitely violated the law.
yes kit, this is the first time they talked with me. never sent me anything but they say the have sent 4 letters, but i never received them...
I haven't dealt with them. I was curious because you hear so much that creditors won't sue over such small amts. But my husband has been sued for $150 and $350 debts. I'd definitely send the validation letter. Let's face it. They can't win a lawsuit if they can't validate the debt!
I agree - if they don't have documentation for the debt, they can't win. I would get a validation out to them CRRR ASAP- that way if they start a suit, you will have the paper trail to prove you are disputing their claim. George- renewable?? I don't know about that, but I do know that ANY kind of payment resets the sol here.
Let me count the VIOLATIONS. 1*Attempting to collect before validating or giving you writtin to notice of your rite to dispute. 2*Threating to sue without intent.
