Hello, I'm in california where the SOL is 4 years on CC.
I received a letter from Midland with the disclaimer that states "the law limits the time you can be sued....etc....because of the amount of time...etc...we will not sue"
BUT the DOFD was only 3 .5 years ago. I know exactly because that's when I became partly paralyzed and unable to work.
Why would they claim the SOL applies when it doesn't? Are they trying to trick me into a payment or payment agreement?
Any calls from various creditors were answered by my sister or daughter. They would only state my physical condition, virtually no income (was self employed so no disability) and no assets. Calls eventually stopped. But letters come about twice a year (from Midland and others).
Also got a letter from Portfolio this morning with same disclaimer about SOL. Why do both this debt collectors claim the SOL applies when it doesn't until after February 2018?
Any help or insight is appreciated.