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  1. #1
    Join Date
    Sep 2008
    Posts
    3

    Default Statute of Limitations for Georgia Revolving Account

    My question involves collection proceedings in the State of: GA

    CACH is attempting to drag me into arbitration over a debt they bought. They kept calling and would not send anything in the mail. Finally, I got something in 11/07 from them and an Arbitration company. I wrote back within a week or so and demanded proof of debt including something with my signature, the usual things to prove I owe the debt. No response and the Arbitration Forum issued a stay. I wrote CACH again in 01/08 and still still no response. Both letters I sent them and the Arbitration Forum I have a signed reciept. Today 9/15/08, I got a letter including "exihibits" asking the Arbitration Forum to go forward. THese include an undated letter from original creditor saying they sold the debts to CACH (does not state my name or anything) and a few copies of statements. THey claim the debt was charged off on 10/29/04, I made the last payment to original creditor on 5/31/05 and CACH bought it on 4/17/06.

    I have never heard from CACH until they began calling around 08/07 and then they would not give me an address or mail me anything. The OC claims the debt was opened in 11/99 and that it had become past due within the first 12 months and never caught up because of late fees.

    I am planning to write them again but I am thinking I need an lawyer. I know the SOL on revolving credit for Georgia changed January of 2008 but since I started disputing this in Nov of 07 does that matter? Also they have only submitted a few documents to the Arbitration forum none of which have my signature, did not respond to my requests for documentation in 11/07 and going by the OC the account was more than 30 days past due in late 2000 so shouldn't the SOL start when it became pat due?


    Any advice would be appreciated!

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