rjc123 Posted December 11, 2007 Report Share Posted December 11, 2007 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. Link to comment Share on other sites More sharing options...
brokeinok Posted December 11, 2007 Report Share Posted December 11, 2007 I believe you are correct that they need to sue where you live and must go by that statute, but I'm sure others will be more certain than I am. Link to comment Share on other sites More sharing options...
StressPot Posted December 11, 2007 Report Share Posted December 11, 2007 It's my understanding that they can sue you in either A) in the state/county you currently reside in, or 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 Link to comment Share on other sites More sharing options...
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