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    redsheadz's Avatar
    redsheadz Posts: 1, Reputation: 1
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    #1

    Nov 12, 2008, 01:22 PM
    Hunted by MCI Communications
    I just received a letter from LVNV Funding, LLC stating that I owe a bill to MCI Communications. The account has not been touched in 6 years. They are threatening to sue if I don't pay in full or make a settlement. I live in New York State. Am I still responsible for this bill? I am trying to improve my credit and worked very hard to get it over 700. I know that taking a settlement will hurt my rating. Should I just let it go or should I contact them? Should I arrange to make payments, take the settlement or just forget the letter?
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #2

    Nov 12, 2008, 01:40 PM
    Quote Originally Posted by redsheadz View Post
    Am I still responsible for this bill?
    If it's a valid bill, yes.


    Quote Originally Posted by redsheadz View Post
    I am trying to improve my credit and worked very hard to get it over 700. I know that taking a settlement will hurt my rating.
    Having a delinquent account will hurt worse.
    NASCAR_Devil's Avatar
    NASCAR_Devil Posts: 20, Reputation: 1
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    #3

    Nov 13, 2008, 08:57 AM

    SOL for this would be covered under the UCC SOL of 4 years. Their threats of suit on a time-barred debt are a violation of the FDCPA.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #4

    Nov 13, 2008, 09:02 AM
    Quote Originally Posted by NASCAR_Devil View Post
    SOL for this would be covered under the UCC SOL of 4 years. Their threats of suit on a time-barred debt are a violation of the FDCPA.
    Not all states follow the UCC. SOLs on contractual debt vary.
    NASCAR_Devil's Avatar
    NASCAR_Devil Posts: 20, Reputation: 1
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    #5

    Nov 13, 2008, 09:03 AM

    NY has adopted the UCC into state statute. Regardless, if it's been 6 years since the account went into default, this debt is still time-barred. It may not stop them from filing and obtaining a default judgement if the OP does not respond though.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #6

    Nov 13, 2008, 09:05 AM

    Whoops, sorry, I didn't see the OP had mentioned he's in NYS.
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