I live in MA where the SOL is 6 years. I just passed that point on several charge offs. When I look at my credit I see activity reported within the last year or 2.
After reading extensively I understand that the CA do this on purpose when the purchase an account, or just in general to continue to extend the SOL.
I'd like to make it clear that in 6 years I have absolutely made NO contact with any of the creditors or CA's, I have no initiated any payment, I have not agreed to any payment, I have never spoken to them or written to them once in over 6 years. Basically I have ignored these charge offs for all this time.
Also reading thru the forum I understand it is best to find paperwork to prove the last true delinquent date in order to establish the beginning of the SOL. My problem is that I have no paperwork whatsoever, no old credit reports, no old statements, pretty much nothing.
Shouldn't the burden of proof be on the CA's? If I show up to court and state that my SOL has expired then shouldnt it be the CA's who have to provide some kind of proof that I initiated payment? Can they just basically put a new activity whenever they feel like, which does not have to be proven? Kind of crazy.
I'd appreciate any advice in going forward with this. Thanks much.