mhutch Posted March 9, 2007 Report Share Posted March 9, 2007 I was looking for something earlier and found an unopened envelope stuck between the pages of a magazine (small mailbox, happens sometimes if there's a lot of mail is shoved in it.) Anyway, when I opened it I saw that it was a collection letter for a charge that I'm not 100% sure is even mine and, if by some chance it is, it is from a hospital in a city that I have not lived in over 12 years so the charges would be at least 12 years oldIf this were a valid debt, would I be correct in saying this is outside the SOL since the longest term is 6 years for Georgia? And what, if anything, should I do at this point? It's past the "respond in 30 days" period and I have not gotten anything else from them about this debt. Should I still ask for DV? Should I point out that it is beyond the SOL (almost twice!). Or should I just take a wait and see attitude if it's not showing on my CR? (I haven't pulled on recently and was planning to do so in the next 2 weeks when I have more time to focus on anything that may not be valid. but didn't want to wait to see what I should do about this)Thanks to anyone that can help! Link to comment Share on other sites More sharing options...
divemedic Posted March 9, 2007 Report Share Posted March 9, 2007 DV first. Always DV. That way, you get the evidence you need to defend yourself later, if need be. Then you send a C&D. Link to comment Share on other sites More sharing options...
IHateCAs Posted March 9, 2007 Report Share Posted March 9, 2007 How old is the collection letter?It's not going to appear on your report. If it does, you've got a nice lawsuit. Link to comment Share on other sites More sharing options...
LadynRed Posted March 9, 2007 Report Share Posted March 9, 2007 Why bother with a DV ? They're not going to have a single shred of proof of anything. I would just send them a cease and desist and tell them to get stuffed. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 9, 2007 Report Share Posted March 9, 2007 I agree with lady.. a simple C&D (FOAD) with a CMRR.. and that should be it... I sent off a few of them last week for stuff way out of SOL.. its been pretty quiet.. after SOL I never bother with a DV.. waste of time and postage Link to comment Share on other sites More sharing options...
divemedic Posted March 9, 2007 Report Share Posted March 9, 2007 Because with a DV, it has the same effect as a C&D, until they send the validation. Then, once they send the docs, it is your proof that it is an old debt, and you send a C&D. Link to comment Share on other sites More sharing options...
CarolinaBlueEyes Posted March 10, 2007 Report Share Posted March 10, 2007 Because with a DV, it has the same effect as a C&D, until they send the validation. Then, once they send the docs, it is your proof that it is an old debt, and you send a C&D.wow thanks, I had not really thought of it that way... I guess because they send so little regarding validation but this does make total sense.. thanks for the extra food for thought Link to comment Share on other sites More sharing options...
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