Standard answer on expired SOL (statute of limitation) 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.
Originally Posted by TimDuke
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.)
Validation letter samples you can get at :
Make sure you ask for VALIDATION (and do not accept verification).
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!
[URL="http://forum.freeadvice.com/banking-credit-cards-18/debt-sttlement-please-help-newbie-293829.html"]Debt Sttlement PLEASE HELP !!!!! Newbie[/URL]
There are two rules for success:
(1) Never tell everything you know.