California Financial Credit Association is collecting a debt on behalf of Bank of America for an overdrawn checking account. I've posted my story numerous times but I had a joint account w/ my ex. He blew the account up but it appears that they are trying to go after me solely. I sent them a validation letter right after they initially contacted me about this debt. A little background, the debt was not being collected on for THREE years. Then I called BofA to see if I paid the debt if they would take me off of Chexs. They couldn't guarantee me anything so I was like forget it. Then 5? months later I am contacted by some agency in Washington. I guess BofA finally gave up. I never responded to their 1 letter that they sent. Then the debt got transferred to this CFCA place. I sent them a validation letter in April and a month or so later they sent me a computer generated report of the last bank statement from BofA w/ highlighted charges. The print had both of our names on it but didn't list any DL or SSN. I then replied to their letter in June stating that I needed 30 days to go over the documents and match them against my records. I actually was using this as a stall tactic because the SOL was up in August. Now it's September and the SOL is up but I just got a letter in the mail stating: "This is demand for payment in full TODAY. Have you ignored our previous notices? Please be advised of the possibility that after careful review and if your account meets our criteria for lawsuits, your account may be referred to an attorney in the state where you reside." Now what do I do? Anyone have any ideas? This is NOT reporting on any of my reports and I don't think they even pulled an inquiry. I would like to keep it this way. The SOL is up (4 years in CA) so what do I do to get them off my back?