chicagoinca Posted October 20, 2008 Report Share Posted October 20, 2008 I have 4 unpaid debts that have all exceeded the SOL. They are all scheduled to come off of my credit report early next year however I still receive several collection letters and numerous telephone calls about these debts. Some questions;Will the CA's name come off of my credit report along with the original debt? Can staying on the telephone (I said I would not pay then hung up) with the CA for a few minutes restart the SOL? What can I do to stop the calls and letters, and assure myself they will come off credit? I have seen several letters to stop CA's accross the net but which do I use? Thanks Link to comment Share on other sites More sharing options...
zfire Posted October 21, 2008 Report Share Posted October 21, 2008 You should never never never be on the phone with a CA. If you want to find out what they are up to, then send a debt validation letter to them. Much easier than dodging, really!You look at those letters, you take the best parts then make your own letter. They JDB's have seen these canned letters before, so be creative. Link to comment Share on other sites More sharing options...
debtorshusband Posted October 21, 2008 Report Share Posted October 21, 2008 Will the CA's name come off of my credit report along with the original debt? As far as I know, when the original debt reaches 7 or 7.5 years and comes off your credit report, any Collection Agency tradelines should come off at the same time. If not, it might mean they are illegally reporting an incorrect Date Of Last Activity, and you should be able to dispute with the Credit Reporting Agency and get it removed.Can staying on the telephone (I said I would not pay then hung up) with the CA for a few minutes restart the SOL? No, absolutely not.What can I do to stop the calls and letters, and assure myself they will come off credit? To stop the calls and letters, send them a letter saying the Statute of Limitations has expired, and they are not to contact you again (known as a Cease and Desist, or C&D letter). They are then allowed one contact to state their intentions (close the account, sue, etc) after which they are violating the law if they contact you again. As to assuring it comes off your credit reports, see my first response above.I have seen several letters to stop CA's accross the net but which do I use? Every situation is different, so it's best to write your own letter. All you need to say is what I mentioned in my previous response.Good luck.DH Link to comment Share on other sites More sharing options...
LUEser Posted October 22, 2008 Report Share Posted October 22, 2008 If you're absolutely these are all out of statute, then you can write a validation letter on a paper bag in sharpie or on a lewd postcard. It doesn't make any difference at this point whether or not the debt is valid or not. It's legally uncollectible in court, and you're under no obligation other than moral to pay it back now. I'd send them the ole FOAD letter and be done with it. Then if they call you back or write you again, sue their sorry a$$. Link to comment Share on other sites More sharing options...
chicagoinca Posted October 22, 2008 Author Report Share Posted October 22, 2008 Thank you all for your advice. Link to comment Share on other sites More sharing options...
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