validation, passed SOL

[stllrng]

First time doing this. Need help.

8 year old debt, way passed SOL of California

No listing on CR, but still getting letters from CA.

Just sent CA a Demand for Validation. CA immediately sent me a computer generated statement with very general information. Including last transaction date of 8 years ago.

Is it better strategy to just get this CA to stop collection activity, or should I count violations and sue them?

I want this issue ended.

What is next step for validation when CA only gives one line of general information (acct #, OC, principal amt, interest amt, balance, last transaction date, contact info).

[divemedic]

Send them a C&D

[stllrng]

Thanks for your reply.

Any recommendations for a good C & D sample letter?

[workinninetofive]

Thanks for your reply.

Any recommendations for a good C & D sample letter?

There are sample letters on the main page. You may want to read around a bit

[divemedic]

It doesn't matter. Try this:

Dear Ice a hole.

You have wiolated my fargin civil rights. If you EVER contact me again, I will rip your fargin walls off!

(sorry, I love Johnny Dangerously- one of the funniest movies ever made)

Just put in there that the account is time barred, don't contact me again. Also, this account is beyond the allowed reporting period as specified by the FCRA, and reporting to the CRA's will result in legal action, up to and including filing of suits for damages, blah, blah, blah.

[Chancy949]

CERTIFIED MAIL 700x xxxx xxxx xxxx xxxx

Date

Your Name

Your Address

Collector's Name

Collector's Address

RE: Account #

To Whom It May Concern:,

Consider this legal written notice that I am demanding a cease communication in regard to this alleged debt, per rights afforded to me by Section 805© of the FDCPA.

Section 805© - 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 1) to advise the consumer that the debt collector's further efforts are being terminated; 2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or 3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

This account is past the statute of limitations for collection. Be advised that I will keep accurate records of all correspondence, including phone calls. If you continue collection activity and harassing me, I will pursue all available legal actions.

Sincerely,

Your Name (DO NOT SIGN)

(another work of art by CM Chase)

[LadyButler]

CERTIFIED MAIL 700x xxxx xxxx xxxx xxxx

Date

Your Name

Your Address

Collector's Name

Collector's Address

RE: Account #

To Whom It May Concern:,

Consider this legal written notice that I am demanding a cease communication in regard to this alleged debt, per rights afforded to me by Section 805© of the FDCPA.

Section 805© - 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 1) to advise the consumer that the debt collector's further efforts are being terminated; 2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or 3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

This account is past the statute of limitations for collection. Be advised that I will keep accurate records of all correspondence, including phone calls. If you continue collection activity and harassing me, I will pursue all available legal actions.

Sincerely,

Your Name (DO NOT SIGN)

(another work of art by CM Chase)

Just beautiful!!!!

[LadyButler]

CERTIFIED MAIL 700x xxxx xxxx xxxx xxxx

Date

Your Name

Your Address

Collector's Name

Collector's Address

RE: Account #

To Whom It May Concern:,

Consider this legal written notice that I am demanding a cease communication in regard to this alleged debt, per rights afforded to me by Section 805© of the FDCPA.

Section 805© - 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 1) to advise the consumer that the debt collector's further efforts are being terminated; 2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or 3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

This account is past the statute of limitations for collection. Be advised that I will keep accurate records of all correspondence, including phone calls. If you continue collection activity and harassing me, I will pursue all available legal actions.

Sincerely,

Your Name (DO NOT SIGN)

(another work of art by CM Chase)

Just beautiful!!!!

[Chancy949]

She does great work, doesn't she?

[Chancy949]

She does great work, doesn't she?