When I get a CA notice I disregard it. I'm planning on letting the SOL run out. They say in the letter that I have 30 days to dispute otherwise it's valid. Should I dispute these with them? My charge offs are 1 year old. SOL is 4 years.
I highly suggest you rethink this. By not responding, you're allowing the CA to believe the debt is in fact valid, and they can and will put this account on your report as well, and will not be subject to violating the FDCPA or FCRA simply because you've never requested validation. Also, 3 years is a very long time to wait out an SOL period. If the debt is large enough, that's more than enough time for the CA to file suit. I suggest you start be sending a validation letter to the CA, now. Send CRRR as well.
Always dispute it dude! What I say is this... "Dear CA: Regarding your letter dated m/dd/yyyy. I am dispute this debt within 30 days as is my right under the FDCPA. I do not owe you or OC $xxx.xx. Sincerely, Cable666" It is true. I don't owe THEM any money. I do owe the OC some money, but not the amount they claim in this letter. They always add some stupid fees and ridiculous interest that I refuse to pay. I also add some other paragraphs to put them on their toes. Cheers
