I have a debt with Cap1 of which I made my last payment on 12/02(per Myfico's Equifax's bureau reporting) that they are still trying to collect on. The debt is still attempting to be collected by Cap1(as of May '07). My question is since Florida's SOL is four years and we are now beyond that point do I dispute it with Cap1 directly or with the credit bureaus? Also, does anyone have an example of a letter that might be used in this situation(couldnt find any after searcing the forum)? Any help would be greatly appreciated.
