Husker Posted February 2, 2012 Report Share Posted February 2, 2012 After not hearing anything for several years, I received a letter from Convergent. They are representing LVNV.The Original creditor was Sears. The debt is over 10 years old, there were no payments made since that time. The SOL in NE is 4 years for Open-Ended Accounts. There is no longer a reference on my CR to that debt.What is the best way to respond? Link to comment Share on other sites More sharing options...
BV80 Posted February 2, 2012 Report Share Posted February 2, 2012 (edited) I assume you mean they sent a collection letter. Some states consider credit card accounts to be a written contract. You might want to check NE law about that first.When you're positive the debt is outside the SOL for collection, send a cease and desist letter.Account XXXXXXTo Whom It May Concern:Regarding the above referenced account, do not ever contact me again.If you choose, you could send a DV first just to see how they respond. Edited February 2, 2012 by BV80 Link to comment Share on other sites More sharing options...
Credithis Posted February 2, 2012 Report Share Posted February 2, 2012 Be sure you send it cmrrr to LVNV too or they will simply farm it out to another CA and then another and another, etc. Link to comment Share on other sites More sharing options...
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