okayy Posted December 7, 2004 Report Share Posted December 7, 2004 Once an account has passed time where court action can't be taken against you and the sol for the credit reporting has passed and the oc or ca is no longer calling but they will write. Will they continue writing hoping to get a break? Link to comment Share on other sites More sharing options...
LadynRed Posted December 7, 2004 Report Share Posted December 7, 2004 Probably. Companies like ASSet Acceptance buy very old debts and harrass to collect. Link to comment Share on other sites More sharing options...
DocPC Posted December 7, 2004 Report Share Posted December 7, 2004 If you are positive it is out of SOL, send a full C&D if you don't want the dunning letters. Link to comment Share on other sites More sharing options...
okayy Posted December 9, 2004 Author Report Share Posted December 9, 2004 Yes. It was an auto loan which was repoed. Is an auto loan considered a written contract? If so, then the sol in Alabama is 6 years. You mentioned a FULL C&D letter. Is there a difference? Link to comment Share on other sites More sharing options...
Leadhead Posted December 9, 2004 Report Share Posted December 9, 2004 Yes. It was an auto loan which was repoed. Is an auto loan considered a written contract? If so, then the sol in Alabama is 6 years. You mentioned a FULL C&D letter. Is there a difference?Yes, an auto loan is a written contract.For a full C&D letter, simply send them a letter that says:In accordance with FDCPA section 805©, I demand you cease ALL communication with me forever and ever. © CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- Link to comment Share on other sites More sharing options...
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