I have a CC debt (charge off) that was first reported on my credit report in March of 2003. It was for $4200. The total is now up to $8400 and Ive recieved letters from CAs (non certified) off and on over this period of time.
About 6 mos ago, I recieved a letter from Capitol One (the original creditor) and then it went back to another CA by the name of northland group in Medina, MN. Theyve been sending me settlement offer letters about once a month.
I go to my PO BOX about once every two weeks, and there were two notices that I had recieved stating that my signature was needed for a certified letter. One notice stated that the letter came in on a certain date, and the second notice stated if I didnt sign for it it would be returned to sender after 10 days. I had checked my mail after it was returned.
I dont know if it was a summons from, but if it was, would I have to sign for it to be valid or can they still get a default judgement from me saying that I ignored it? Or does a process server have to show up to my house in order for the summons to be valid? Would Northland Group have the power to do that or are they merely a collection agency and not an attorney?
After doing some reading here it looks like since the debt was first reported to the Credit Bureaus over 4 yrs ago would the SOL be a valid defense?
Thanks in advance for your help.
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