My question involves collection proceedings in the State of: Ohio
I received a letter from a collection agency seeking payment on a card debt debt,that was charged off on 10-31-02.They have since sent this to a law firm that I ask to validiate the debt and they sent back a letter only stating the orginal creditor,amount due and interest accurred on this account and the account number.They say the charge off date was 10-31-02,but the last payment made on this was 8-31-04.I have no record anywhere thar any payment was made on this account after the charge off date.The law sent a letter stating that if no settlement was received by 11-02-08,they would file a law suit against me.I believe this debt has passed the SOL,but don't know what steps to take from here.Do they have a valid case?My only contact on this debt has been through the mail.