picantel From a post Re: collection agency has contact me dated 07.23.2002 @ 18:59 that you had responded to: â??I had a CA try collection on a debt from 8 years ago. They tried many tricks to get me to pay it. I faxed them a cease desist letter I also reminded them that the SOL is up they are wasting their time money on a debt they cannot legally collect on. I also told them I am familiar with consumer law if they waste their money taking me to court I will just point out that the SOL is up they lose. I have never heard from them again. To be douby safe, fax the letter send it certified so they have to sign for it. If they call again they are busted we can help you out.â? I was wondering if you could post that letter for reference, I could use one, Thanks BTW who was the CA? BOSSLADY7
Here is the letter. I kinda made it up myself but I do not remember the CA as I did not much care who it was. your name and info account # To whom it may concern, I am writing to demand that you cease and desist all communication which includes phone and mail. I am also advising you to cease all attempts to collect on this debt. I would remind you that the statute of limitations on an open ended credit account in Ohio is 6 year and the debt is currently over 8 years old. You are wasting your time trying to collect on a debt that is unrecoverable and I cannot be bullied or persuaded to pay this. If you choose to take me to court I will simply use the SOL defense and you will automatically lose. Your company took a chance as many collection agencies do in buying this debt and you made a bad choice as this consumer knows the laws. There is no reason for you to waste anymore of your time and money to collect as there is nothing for you to receive and no legal way for you to do it. Sincerely, your master
