dan12909 Posted April 20, 2008 Report Share Posted April 20, 2008 I am wondering what the sol for wa state is on bank accounts that were closed due to overdrafting and the bank closeing the account. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 20, 2008 Report Share Posted April 20, 2008 hey Dan - For WA state, bank accounts could be considered "written contracts"...so the SOL in that case would be 6 years. Did the bank charge-off the balance oweing? Chances are you are on ChexSystems as well (the CRA for banks)...how long ago was the thing closed? Link to comment Share on other sites More sharing options...
dan12909 Posted April 21, 2008 Author Report Share Posted April 21, 2008 well i think in 2005 but with the collection agency last time i had a bank account that went this way back in 1999 i just paid the bank directly and that was the end of it and they also deleted the entry on checksystems the collection agency is KB Merrill Associates LLC and i looked for what a collection agency must do in wa state and one is they must be registered and licenced in wa state. they are not licensed in wa state and i check with the state on that and tomorrow they will get my Debt validation letter as i got a message on my phone about a deposition being filed on the 30th of this month so i cant wait but do you think i should just pay the bank directly as its US Bank that i had account with???? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 22, 2008 Report Share Posted April 22, 2008 if it was closed in 2005 chances are it was also opened around then as well...which means you still can be sued. Follow the link in my signature re: CAs have to be licensed. Check there - tha'ts the DOL website. Remember to search in general terms, not the full business name to et better results. ...message re: deposition... that's probably just a threat that they say. Have you ever received a letter from this colelction agency before? If so, when was it, and what did it say? You can't pay the bank if the bank sold the debt, that's whey I asked. Link to comment Share on other sites More sharing options...
dan12909 Posted April 22, 2008 Author Report Share Posted April 22, 2008 well i got a letter in dec and nothing after that. then today i got a call with them saying they have good news for me lol i didnt return the call but sent out the DV letter to them but going to call US bank to find out if they still have it or if i have to go thro the collection agency Link to comment Share on other sites More sharing options...
dan12909 Posted April 24, 2008 Author Report Share Posted April 24, 2008 CA got the DV via CRRR and now where do i go from here. Will they send me something or just ignore it Link to comment Share on other sites More sharing options...
Recommended Posts