Texas_dad Posted August 24, 2002 Report Share Posted August 24, 2002 This is my first post so please bare with me... I recently had a brush with a law firm trying to get a judgement against a past due creditcard account. After reading your website, I found that the date listed in my credit report for the collection agency sueing, is over four years old. I feel this would be reason for dismissal, but alass the lawyer didn't show up. My question... Is there a way to find out the last activity on a given account, to be sure of the statue of limitations is in effect? I have a couple others, and was told that I needed to contact the credit card companies and request a "payment history". This would prove the last activity on my account? Also, does anyboyd have a sample letter for this? And should I go through the "debt validation" process also.Thanks for any help anybody can give...david Link to comment Share on other sites More sharing options...
admin Posted August 25, 2002 Report Share Posted August 25, 2002 Getting your payment history would be a great thing...if you can get it. Any chance you have some documentation on this account - letters stating you were overdue on payments, canceled checks, old credit reports (<---though this last piece of documentation isn't very strong). Debt validation isn't going to help much at this point, they are already taking you to court. I would show up at the court date and demand they show you the payment history so that the SOL can be established. I would also demand everything else someone demands during regular debt validation: a signed contract, proof they are legally able to collect on the debt, etc. Link to comment Share on other sites More sharing options...
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