Timeline and details below May 7th - letter from attorney regarding past due debt and notifying to say if no response will file suit...etc (Never recieved any notice with our rights within 5 days - which I thought was law) May 15th AM - sent response cert mail for validation etc (nice big legal sounding internet letter) May 15th PM - Received "Notice of Next Event" complete with docket # and date to appear at Trial Court for a Magistrate Trial on 6/30/08 @ 10AM - Attached was an old Sheet from the courthouse (compelte with Docket #)dated Sept 27, 2007 with her correct name but incorrect address - must have filed to try to serve but was unable to as she didn't live at that address anymore. May 20th - Response from Attorney representing the collection agency listing the original credit card co and account # and an opened date - lists a balance WELL below what was written off by the original creditor as current balance (I'm assuming Beamer Financial LLC bought this debt for Pennies on the dollar). They also attached a copy of an Experian Credit Profile Report. Showed the account and bank info as well as Date Opened 7/2000 Date Reported 4/23/2002 Last Payment 7/11/2001 No other real info was on this report (cept it was Bank Credit Card, Terms REV) and the original amount $4597 -They also attached a form requesing all sorts of info like income and assets and expenses - which we ignored. -As well as an agreement for judgement and order - which we also ignored. Ceased communication (even though their "validation" was not what we had asked for) _____________________________ Now on our Credit report from Equifax It shows the account as Opened 7/2000 Date Reported 05/2005 Date of Last Payment 07/2001 Charge Off Amount $4597 Date Closed 5/2001 Date of First Delinquency 9/2001 (<-Why would they close an account before it's delinquent?) Date of Last Activity: N/A My plan now is to send a letter in response (though not required) to file with the court prior to the court date as a motion to dismiss based on the SoL (Here in MA is 6 yrs).. However before doing that ... 1. Does SoL start from Date Last Payment, Date Closed or Date of First Delinquency? 2. Does the original filing that had submitted to the court back in Sept of 07 have any impact on that SoL seeing the papers were never served and she didn't go to court? Or does the New date (NOW) count towards the SoL 3. Anyone have a simple, effictive letter sample to file as a response prior to court (understanding that if no resolution comes prior to the court date you still have to attend) - and what data /info should be included (a copy of a DETAILED credit report? - just the one page or does it have to be a complete report as the page this info is shown on does not contain her name just the account #. Help? Suggestions? Hints? Tips... Any and all advice welcome.. What are we walking into here... I've read an aweful lot about the FCRA and other documents you always here referred to online.