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  1. #1
    Join Date
    May 2006
    Posts
    1

    Default Can requesting validation trigger collection action?

    Greetings all-

    I was recently contacted by a collection attorney by phone and by mail. I have not, as yet, made any response. The last payment made on this account was in 7/00. I am residing in a state where the SOL is 6 years.

    The amount being demanded is about $2000 more than I recall spending on the credit card.

    Do I answer these people and request validation or do I ignore them? Does contact refresh the SOL? Is it true that requesting validation incites most attorneys to file suit?

    I have been in the process of paying off old debts for years and would willingly pay what I spent were it requested. That NOT being the case, and the statute running as it is...I am needing some advice.

    Thanks

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Can requesting validation trigger collection action?

    Requesting validation should not be a problem, but don't do so in a way which acknowledges the validity of any part of the debt.

    Given the date, I would personally wait out the six years before making any contact. One way or the other, the decision of whether or not to sue has probably already been made.

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