Recently Received A Notice of a Collection Agency Trying to Collect on a 15yr old Acc

[Zenpiggy]

Hello there...

I am entirely new to this site and this is my first post, so please forgive me if I'm going about this the wrong way.

I recently received, in the mail, a notice from a collection agency claiming that they had purchased a debt that I owed Bank of America amounting to roughly $2800 dollars.

The last activity on this account was in 1992.

I've read through much of the advice on this site regarding sending a Request of Vallidation and will use one of the saple letters to do so.

So my question is this: From what I've managed to find out so far, the statute of limitaions in California (where I had the account- I now live in MD) for an "Open Account" is 4years.

But I honestly do not remember if this was a regular checking account or if it was indeed a credit card account. Either way everything I've read on SOL's does not even come close to 14 or 15 years!!!

Am I on the right track?

Do I just send a VR (If that's the abbreviation for Vallidation Request) and then wait to see what happens?

Or if it turns out to have been a Checking Account, is the SOL way different?

I have absolutely none of my own paperwork regarding this, or any other bank accounts from that long ago.

Please if anyone who has any real information would be willing to help out a newbie and give me the run down I would most certainly be gratefull.

[nascar]

The last activity on this account was in 1992.

Don't use one of the internet letters. Just keep it short, tell them you dispute the debt. It won't show up on your credit report unless they break the law and lie about the dates.

You don't have to ask them to send you anything because SOL has run anyway. Just tell them to get lost.

[LadynRed]

I would just send them a cease and desist letter telling them never to contact you again as the debt is time-barred by MD and CA law.

[retmar]

Most definitely do as LadynRed says. There is no sensible reason to even continue with this.

Simply state they must C&D all activity, close account, delete any reported negative info, and go eat Maggot Droppings, or be sued. Since MD's SOL has passed, and, you're not returning to CA, do not worry. Be sure and send by CMRR as they won't respond and you do want proof of delievery.

Do understand that if, by some chance, they try and say that since they now own the debt, the SOL has no standing, laugh all the way to the bank. More on that if they are stupid enough.

[Zenpiggy]

Well I've got to hand it to you all, my mood sure has changed since reading you wonderfull responses and excellent tips.

I especially like the "Tell Them to Eat Maggott Droppings"!

I really had allowed myself to get very stressed and deppressed about this whole situation long before I even thought to research my options online.

I will most certainly take you advice, (from all of you) and skip the Vallidation Request and go straight to a C&D letter.

I know that ot's not over 'till it's over but with your help I feel much more confident and able to confront this matter rather than to continue to let it bring me down.

I will return to post when all is said and done, to let everyone know how it turned out.

And if turns out good, then maybe I'll be able to help someone else in the same way you've all helped me.

Take Care,

Zenpiggy

[Zenpiggy]

oops

[Zenpiggy]

oops

[Zenpiggy]

Sorry folks, I was trying to send private messages of thanks.

I think I've got it figured out.