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What does date of last activity mean? Affirmation of the debt... does that mean acknowledgement that is by phone or writing or by not responding to a collection letter?

What is the SOL for credit card debt in New York? How do I find out if SOL has run out on a debt? Do the collection agencies or law firms have to supply proof that SOL has not run out?

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My father, a disabled retiree, had his bank account frozen or levied yesterday. His only income is from social...