
Quoting
Mr. Knowitall
Riply, tolling does not refer to restarting the statute of limitations. It refers to factors that can extend the statute of limitations. During a period the statute of limitations is tolled, it's not running. Also, you cannot simply make a counterclaim suggesting that a lawsuit is frivolous - that's not how its done. If you don't understand a legal issue, keep your fingers off your keyboard - we try to be accurate here and you're a fount of misinformation.
SilverSea88, the FDCPA is a separate potential cause of action, not a defense to the debt. Also, again, the charge-off date is an accounting entry and has absolutely nothing to do with when the cause of action accrues.
If this is a 14-year-old debt, my guess is that they're rattling the tree to see if they can shake loose any money, or seeing if they can trick you into reaffirming, and I would not expect them to sue absent some form of novation.