Utility Debt in FL from 98

[tdp247]

I had an account with an electric company that went to collections in 98, it has been on my credit report since then. I recently recieved a letter from a company called: Asset Acceptance LLC, stating that my debt has been purchased from the original creditor and I now owed them the money. Are they allowed to still attempt to collect this debt? Can't I send them a C&D letter?

Any advice would be helpful! Thank you in advance.

[seniorjudge]

Originally Posted by tdp247

I had an account with an electric company that went to collections in 98, it has been on my credit report since then. I recently recieved a letter from a company called: Asset Acceptance LLC, stating that my debt has been purchased from the original creditor and I now owed them the money. Are they allowed to still attempt to collect this debt? Can't I send them a C&D letter?

Any advice would be helpful! Thank you in advance.

Standard answer on expired SOL and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)

[url]http://www.bcsalliance.com/y_debt_sol.html[/url]

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


Validation letter samples you can get at :
[url]www.creditinfocenter.com[/url]
and [url]www.creditboards.com[/url]


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: [url]http://www.creditinfocenter.com/creditreports/[/url]

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!

Debt settlement:

[url]http://forum.freeadvice.com/showthread.php?t=293829[/url]

[tdp247]

Am I able to write to the CRA to have this removed from my Credit Report? The are also showing the date of last activity as 2/2004, which is not correct, the date of last activity was in 98.

1.What letter can I send the Collection Agency?
2. If I can request for this to be removed from the CRA what letter should I use?

I have paid and am paying everything else off on my report and am happy to say that once this final issue is resolved, I can work my way back to better credit.

Thanks!