a CA sent me a letter a week ago attempting to collect on a debt from the 1980's (a debts whose reporting time and statute of limitations has expired). Received advise from this board to send a cease and desist letter. Would you look over what I've put together from sample letters from this board and let me know if its okay. I'm a bit nervous about acknowledging in the letter in any way that the debt his mines (i.e. the line stating the SOL and reporting time has expired suggests I know something about the debt and that it is mines): This will serve as your legal notice under federal law, "The Fair Debt Collection Practices Act," to cease all communication with me in reference to the above account. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission responsible for enforcement, the state Attorney General's Office, as well as the American Collector's Association, which monitors for noncompliance. The statute of limitations and reporting time for the above account number have expired. I hereby request that you cease and desist any efforts to collect on the above referenced account, effective immediately. Should you fail to comply with this request I shall have no other recourse than to pursue legal sanctions under applicable federal and state law. thanks
