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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. :thefinger:

© 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 --

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