I received a dunning letter in the mail about a week ago from Mapother & Mapother P.S.C. in KY.
I've checked my credit report and this firm hasn't hit my credit report, but Brachfeld & Assoc. did. Are they connected?
I'm assuming a debt validation letter needs to be sent, but I've never sent one before. Any info on getting one together would be helpful.
Statute of limitations in my state is five years and the account they're trying to collect on was last paid on in June/July, 2006.
My husband is unemployed currently and is our only source of income. We have no assets that they could get -- only one car, which is under a loan payment for another year and a half, and our house, which has a loan payment for another 25 years.
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