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DV letter to Asset Acc. or wait for summons?


janette
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Trying to repair my bfr's credit. I'm taking this challenge thanks to this forum :lol:

Original creditor: WFFNB/Raymour&Flanigan, now collection Asset Acceptance (Wells Fargo)

Opened in NY, 1st delinq. 04/2009, amount ~ $3000.

Moved to FL in 2010. FL SOL is 4 years, so in 04/2013 would be 4 years.

1) Is it better to send DV letter or wait until 04/2013?

2) Will it be out of SOL in 04/2013?

3) If I send DV letter with current address I will receive Summons, right...?

I see inquiries from Asset once every 3-4 months...

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