Starting the SOL all over again by contacting creditors

onamission · #1 Jul 5, 2008, 08:11 PM

I pulled my report and have some doubts about some stuff on there.

Some of this stuff is pretty old but it only shows with a timeline of the last 24 months.

I dont even know where some of this stuff came from. I was thinking writing letters to the creditors/collectors but I'm afraid if those accounts are mine that I start the clock again.

Does anyone knows if this is true? Or should I just dispute it with the the credit bureau in hopes that they have to take it off? Even if they take it off do I still have pay them or could they still take me to court?

Thanks

TheCleaner · Jul 6, 2008, 04:39 AM

as long as you don't pay or make a promise to pay or in some states make a settlement offer or reconigze the debt in any manner you'll be safe. Disputing an account with the creditor does not re-start the SOL. They can take you to court even with the SOL passed but if they do you will have a absolute defense, if you defend yourself they will lose the case and all the filing fees.



At Ask Me Help Desk you can ask questions in any topic and have them answered for free by our experts. To ask questions or participate in answering them you must register for a free account. By registering you will be able to: Get free answers from experts in any of our 300+ topics. Accept money for answers that you provide. Communicate privately with other members (PM). See fewer ads. Sign Up!