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Convergnet/LVNV and SOL


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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?

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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 XXXXXX

To 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 by BV80
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