My question involves collection proceedings in the State of: TN
I attended a private university in TN. I left the university in 1998 and at the time was told that my account balance was zero. Since this time I have requested and received my transcript and references from the university, but there was never mention of a balance on my account.
At the end of 2004 I received a collection notice of a balance on the account. I contacted the university and requested proof of the debt, but was only given a balance forward notice. I disputed the debt verbally and did not hear anything after two months so I did not send a certified letter.
In November of 2008 I received another letter trying to collect on the debt. My belief is that the statute of limitations has expired on this debt. But, I wanted to verify that since it is a balance on a university account it isn't an exception for some reason. Should I send a certified letter disputing the debt and stating the expiration of the Statute of Limitations?