Legal Question in Credit and Debt Law in California

Collection agency letter

I am receiving collection letters about an account that I could not and have not made a payment on to original creditor in at least 6 years. Not sure when the collection agency bought the account but this letter states that I

must respond within 30 days or they will determinbe the account valid. Any advice would be sincerely appreciated.


Asked on 11/02/06, 12:09 pm

2 Answers from Attorneys
Robert F. Cohen Law Office of Robert F. Cohen

Re: Collection agency letter

Immediately reply by certified, return receipt letter, dispute the charges, and ask for an accounting. DO NOT MAKE A PAYMENT. See what they have. Sometimes these companies will make up payments to keep the 4-year statute of limitation open. This way you can lock them in to the information they provide (or don't) if they should take legal action against you.

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Answered on 11/02/06, 12:29 pm
Samuel Lovely Law Office of Samuel Lovely

Re: Collection agency letter

They are likely outside of the statute of limitations, it can depend upon the type of account. Making a payment would reinstate their action. Please contact me for a free consultation.

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Answered on 11/02/06, 12:49 pm


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