John
Louisville,#2Consumer Comment
Sun, December 06, 2009
This debt is time-barred and past the statute of limitations for all 50 states. They are powerless over you other than trying to annoy you into paying....Send them the letter below...that's all you have to do. Don't waste your money on an attorney...you don't need one.
Send them a letter via Certified Mail + Return Receipt (NOT regular mail) stating:
Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt.
This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped
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Check your credit report to confirm that they have not tampered with the dates to re-age the debt.
annualcreditreport.com is the real free site to check your credit file for free once a year without a credit card.
https://www.annualcreditreport.com