Quote Quoting divemedic
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Furthermore, some states prohibit a CA from continuing to collect on a debt that is beyond SOL. Your conversations offering to pay part of the debt can in some states toll the SOL. Be careful.

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Not only do they toll the running of the time but in some situtaions, they restart the time.


Once the debt is beyond the SOL, you can always send them a letter telling them you refuse to pay the debt at all. Then the CA is not allowed to contact you any longer.
they can sue if they do not beleive the SoL has run though.

This is very useful, especially if they have already put the trade on your credit report, or the debt is more than 7 years delinquent, because there is nothing left that they can do to you
well, since some states have up to a 15 year SoL, not sure where the 7 years means anything in that situation.

. Since they can't do anything to your credit report, the SOL protects you from any litigation, and the FDCPA states they can't contact you once you tell them in writing that you refuse to pay, you are in the clear.
if it were only so easy.



badson; this is the problem when you ignore the statement that prompts you to include the state this involves. There is no right answer with the info provided because the answer depends on what state this involves.