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Want to be sure on SOL


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I just received a letter from a law firm trying to collect on a Citibank balance that was charged off in 1997.

It has already fallen off all 3 of my credit reports.

I don't even need to do debt validation with them do I ? I live in California and the Statute of Limitiations has already passed.

I should just send a letter informing them of this and tell them to cease all collection activity, right ?

from everything I've learned here I think I'm correct but want to be sure. Thanks.

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