mdk003 Posted April 8, 2005 Report Share Posted April 8, 2005 I received a letter from Asset Acceptance this week seeking collection on a debt from 7/95. They have been sending me these every so often since around 2001, and I have ignored them. Normally, I immediately respond to a creditor's letter with a DV, and they disappear for several years. For some reason, I never got around to sending a DV. From looking at the letters they sent over the years, I think I never received the original letter that states "you have 30 days to dispute this debt".1) Can I still send a DV even though it is long past the 30 days? Do they have any legal obligation to respond?2) Is there any point in sending a DV now? The debt is far past the SOL (6 years in my state), and their letters are becoming fewer and far between. I'm worried that sending the DV will wake them up, and they might try to sue me. I believe I'll win, but it will still be a pain to deal with.Thanks for any advice on this. Link to comment Share on other sites More sharing options...
DocPC Posted April 8, 2005 Report Share Posted April 8, 2005 Why would you DV on a debt that the SOL is up on? No need.If it went into default in 95, it is 10 years old. Link to comment Share on other sites More sharing options...
KentWA Posted April 8, 2005 Report Share Posted April 8, 2005 It is past the SOL and the reporting period. Is it appearing on your CR? If so that is a violation. If it is not then just send a full C&D telling them to pack sand. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted April 9, 2005 Report Share Posted April 9, 2005 Is teh debt itself from 95, or did it go into collection in 2001. That is a difference, as far as teh SOL is concerned. If nothing has happened, truly, since 1995, I'd continue to ignore it. Link to comment Share on other sites More sharing options...
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