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How to Stop Junk Debt Collectors From Pursuing Me

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  • 07-04-2014, 03:00 AM
    helix
    How to Stop Junk Debt Collectors From Pursuing Me
    My question involves collection proceedings in the State of: Pennsylvania

    I have several junk debt collectors sending me mail all the time. these debts are very old and most likely past the statute of limitations. How do I stop them from trying to collect? Should I send them a debt validation letter in which I ask them to prove that the debt is still within the statute of limitations?

    thanks.
  • 07-04-2014, 06:11 AM
    mmmagique
    Re: Is this a good way to stop junk debt collectors from pursing me?
    No. They can *try* to collect as long as they like. (by sending mail, calling, etc.) A request for validation (which honestly has such a low threshold as to be laughable anyway) only has to be acted on if it's been less than 30 days from their first contact with you. I suspect that is not the case for you.
  • 07-04-2014, 07:02 AM
    Dogmatique
    Re: Is this a good way to stop junk debt collectors from pursing me?
    Quote:

    Quoting mmmagique
    View Post
    No. They can *try* to collect as long as they like. (by sending mail, calling, etc.) A request for validation (which honestly has such a low threshold as to be laughable anyway) only has to be acted on if it's been less than 30 days from their first contact with you. I suspect that is not the case for you.


    *waves*

    (He's from down the street ;) )
  • 07-04-2014, 07:04 AM
    cbg
    Re: Is this a good way to stop junk debt collectors from pursing me?
    Okay, I'll try.

    Had you gone in front of the court at the time the judgement was made and shown AT THAT TIME that the debt was beyond the SOL, you might well have prevailed. However, that's a one-time defense that can only be used BEFORE there is a judgement against you. You blew the opportunity to use that defense when you didn't use it at the time. It's too late to use it now.
  • 07-04-2014, 07:19 AM
    Dogmatique
    Re: Is this a good way to stop junk debt collectors from pursing me?
    And please don't snuggle us.

    Kthx.
  • 07-04-2014, 07:45 AM
    aaron
    Re: How to Stop Junk Debt Collectors From Pursuing Me
    Quote:

    Quoting helix
    View Post
    I have several junk debt collectors sending me mail all the time. these debts are very old and most likely past the statute of limitations. How do I stop them from trying to collect?

    Tell them to stop.
    Quote:

    Quoting helix
    Should I send them a debt validation letter in which I ask them to prove that the debt is still within the statute of limitations?

    Their only obligation in response to a request for validation, if sent within 30 days of their first contact, is to validate the debt. Most debt collectors will respond to a late request for validation, but only to validate the debt.
  • 07-04-2014, 09:11 AM
    helix
    Re: Is this a good way to stop junk debt collectors from pursing me?
    Quote:

    Quoting Dogmatique
    View Post

    And please don't snuggle us.

    Kthx.

    Oh man. another *sshole.

    - - - Updated - - -

    thanks for the other replies guys. I appreciate it.
  • 07-04-2014, 09:17 AM
    flyingron
    Re: Is this a good way to stop junk debt collectors from pursing me?
    You can express your interest not to be contacted by phone by making it in writing to the debt collector. This presumes that it's a third party debt collector and not the person who actually owns the debt (this includes junk debt buyer). There is NOTHING you can do to stop other attempts to collect (mail, etc...). Neither the FDCPA (which doesn't apply here) nor the Pennsylvania FCUA will provide you any release. All you can do is mail them back and point out the debt is past SOL. You have no legal redress until they actually try to sue you in court.
  • 07-04-2014, 02:23 PM
    helix
    Re: Is this a good way to stop junk debt collectors from pursing me?
    Quote:

    Quoting flyingron
    View Post
    You can express your interest not to be contacted by phone by making it in writing to the debt collector. This presumes that it's a third party debt collector and not the person who actually owns the debt (this includes junk debt buyer). There is NOTHING you can do to stop other attempts to collect (mail, etc...). Neither the FDCPA (which doesn't apply here) nor the Pennsylvania FCUA will provide you any release. All you can do is mail them back and point out the debt is past SOL. You have no legal redress until they actually try to sue you in court.

    I understand. Thanks for your input.
  • 07-04-2014, 03:12 PM
    Dogmatique
    Re: Is this a good way to stop junk debt collectors from pursing me?
    Quote:

    Quoting helix
    View Post
    Oh man. another *sshole.

    - - - Updated - - -

    thanks for the other replies guys. I appreciate it.

    That may be, but it doesn't negate the fact that you screwed up and are still trying to get out of paying your debts.
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