Asset Acceptance's Attorney Trying to COLLECT

[yanni72]

What is the name of your state? My state is California.

Here's the situation: I have an old credit card that went to charge-off in 2001. I haven't paid anything on it in over 4 years. I know the SOL for CA is 4 years, however I received a letter from an attorney representing Asset Acceptance stating that my last transaction with them was 7/6/2001 (it doesn't mean last payment -- this could be the last day the credit card company charged me a fee before sending to collection for all I know, which they think justifies a "transaction"). I only had one bank account at the time and have researched past statements and am hard pressed to find any such payment made to this account.

Should I call the attorney and tell them tha the SOL has expired? Will the attorney be able to send me old statements from the original creditor to verify everything? OR Should I play this out to "buy time" and respond a couple of days before the 30-days alloted by their letter? Please advise. Thanks...

 

[seniorjudge]

What is the name of your state? My state is California.

Here's the situation: I have an old credit card that went to charge-off in 2001. I haven't paid anything on it in over 4 years. I know the SOL for CA is 4 years, however I received a letter from an attorney representing Asset Acceptance stating that my last transaction with them was 7/6/2001 (it doesn't mean last payment -- this could be the last day the credit card company charged me a fee before sending to collection for all I know, which they think justifies a "transaction"). I only had one bank account at the time and have researched past statements and am hard pressed to find any such payment made to this account.

Should I call the attorney and tell them tha the SOL has expired? Will the attorney be able to send me old statements from the original creditor to verify everything? OR Should I play this out to "buy time" and respond a couple of days before the 30-days alloted by their letter? Please advise. Thanks...

Phone calls will not do; do everything in writing:

Standard answer on expired SOL and/or validation and/or dispute letters.

SOL
http://www.bcsalliance.com/y_debt_sol.html

http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html


Validation letter samples you can get at :
www.creditinfocenter.com
and www.creditboards.com


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: http://www.creditinfocenter.com/creditreports/

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

 

[yanni72]

Collection Agreement

In the State of California, does the debt collector's attorney need an agreement with the original creditor in order to get a judgement?