warcraftfan1
Junior Member
What is the name of your state (only U.S. law)? Michigan
Good evening. I received a letter from a debt collection group. It's regarding a Credit Card I had in Florida about 13 years ago. They are giving me a settlement offer. I know this is past the statutes of limitations and in this letter at the end of it they state " The law limits how long you can be sued on a debt. Because of the age of your debt, our client will not sue you for it. In many circumstances , you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt "
Are they admitting right there that it is past the statues of limitations?
Should I just send them a certified letter saying something like " This debt is past the statutes of limitations in both Michigan and Florida and I am disputing this debt " ?
Any advice would be great. I know the last payment made on the account would also be 13 years old or more.
Good evening. I received a letter from a debt collection group. It's regarding a Credit Card I had in Florida about 13 years ago. They are giving me a settlement offer. I know this is past the statutes of limitations and in this letter at the end of it they state " The law limits how long you can be sued on a debt. Because of the age of your debt, our client will not sue you for it. In many circumstances , you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt "
Are they admitting right there that it is past the statues of limitations?
Should I just send them a certified letter saying something like " This debt is past the statutes of limitations in both Michigan and Florida and I am disputing this debt " ?
Any advice would be great. I know the last payment made on the account would also be 13 years old or more.
