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  1. Hi. I got a call and a few days later a form letter from MCM (Midland) on a debt that is time barred (past SOL by a few years now) giving me 3 payment options. They admit near the bottom "The law limits how long you can be sued on a debt. Becasue of the age of your debt, we will not sue you for it. If you don't pay the debt, we may continue to report it to the CRA as unpaid." There was a class action suit against them a few years ago and I later got a postcard from the attorneys saying that I could join and get $1000 off of my account so it didn't make sense to do it. It would seem to me that if they used the money to pay down the account it would start the clock over again for SOL. 1) Is this some kind of trick or new tactic that they are trying to reinstate it, or file suit later? 2) The fact that they are trying to collect on a SOL barred debt constitue violations of the FDCPA? 3) Can they report this to the CRA's still or is it a violation to do that, when does their abilty to report expire? 4) Is there any action I should take at this point? A DV letter or Cease and Desist or?
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