Collection request after Statute of Limitations

[Ogedei]

What is the name of your state? New Mexico
Today I got a collection request on a debt that is well past the statute of limitations. I would like to notify the agency within the 30 days that I consider this action to be inaccurate and invalid but I fear that sending a letter is an acknowledgement of the debt thus resetting the contract period.

What do we do?

How do we write a letter that disputes the validity of the claim and yet does not acknowledge the debt and starts our contract period all over again?

Thanks for your help

[Ladynred]

You will NOT start your contract period over again, and you will NOT reset the SOL by disputing their claim and telling them to get lost on a time-barred debt.

Send them the following letter (edit as needed):

[url]http://community-2.webtv.net/YCHANGE/STORAGE/page13.html[/url]

The NM statutes you need for the letter are on that same site.

Note the 2nd line in the letter says:

This is not a refusal to pay, but a notice that your claim is disputed

You are NOT admitting anything.