Debts Passed SOL

Discussion in 'Sample Letters' started by Creditnet, Jul 12, 2008.

  1. Creditnet

    Creditnet Administrator

    ** Please remember to change situation-specific information, such as name, date, state, etc. ***

    ** This letter was taken from the following post on our site: http://consumers.creditnet.com/Discussions/credit-talk/t-uncertainty-texas-68326.html **


    Name
    Address

    July 2, 2008

    Collections Company
    Department 1111
    City, State zip

    RE: acct. #

    Dear Sir or Madame:
    This letter is in response to your letter dated DATE (copy enclosed), concerning the collection of the above referenced account number XXXXXXXX.

    I do not owe this debt; therefore, I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in the state of STATE has expired; therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.

    This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, cease and desist contacting me at my home phone, cell phone and work phone regarding this or any other matter except to advise me in writing that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my stateâ??s laws.

    Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.


    Sincerely,
    Name
     

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