Collecting on Bad Check As Alleged by Collection Agency

[cowboys]

My question involves collection proceedings in the State of: CA
I received a call from collection agency alleging wrote bad checks (2)to obtain payday loans. The total alleged is right at $700. They claim checks written in2002 but the bank the checks were wriuten against was closed in 2000. They say when tried to cash the checks were returned due to account closed. I dont recall any previous notice that checks did not clear. They say pay or they will sue me. Hasnt the statute of limitations on this type of case ran out. What are my rights?

[Mr. Knowitall]

If you wrote checks from your closed account, that would certainly explain why the checks weren't honored.

You can (a) pay the debt, (b) dispute the debt and ask them to substantiate it, (c) if they're a third party collection agency instruct them not to contact you any more and see whether they do in fact try to sue, (d) try to negotiate a settlement, (e) refuse to pay and see what they do, (f) assert the statute of limitations and see how they respond.... you or others may be able to come up with additional ideas.

From what you have told us, unless a judgment was previously obtained I expect that the statute of limitations has run.

[cowboys]

Thank you. To clarify checks not written on closed account but was closed, im assuming prior to checks being ran through. I also did research on the company calling CCR & Associates and it appears they run scams on a regular basis. They
also refusing to send me documentation ontl the alleged debt.