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what to do next


Guest rjc123
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I live in Georgia. An old debt from US bank, now assigned to Hudson and Keyes for over 10K, has been apperaing on my Cr and I have recieved Dunning and responded with 2 DV letters. The date of Last activity on this account was while I was living In NY, was Dec 02. My research leads me to believe that the SOl is up(GA is four years). I now have received an attempt at validation (they sent the 3 last posts on this account, which verify the last payment) they asked me to respond with my intentions within 10 days. I feel that now that I live in Ga, the local law prohibits the collection of this account(expired SOL). Should I just ignore them, or should i respond with My affirmative SOl defense and hope that they leave me alone??

They have not threatened to sue, and i think that although the SOL in NY is 6 years, they would have to pursue me in the state that i now live.

any thoughts would be greatly appreciated.

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It's my understanding that they can sue you in either A) in the state/county you currently reside in, or B) the state you initiated the agreement for credit/loan/et al then have it domesticated to your current home state.

I also understand that B above doesn't happen all that much. Never ignore things like this! You could either send a DV, or send a C&D stating that you are well aware it is out of SOL.

StressPot :)++

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