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Asset Acceptance Will Not File a Lawsuit

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They bought a credit card debt 6 years ago and have been collecting on it ever since. They have my home address and telephone and call constantly (I have caller ID and ignore any numbers I don't recognize). They have had 2 different attorneys send me correspondence in their name.

I live in NC and have waited and waited for them to file suit but they don't. They just continue with routine collections even though I've done nothing but ignore them for 6 years. Why won't they file suit?




Oh, BTW, the amount they say I owe is around $15,000.

Sub: #1 posted on Tue, 08/12/2008 - 18:43

Unregistered


Likely it is beyond SOL for suit. Is this a CC? When was the last time you made a payment? If you are beyond SOL and Federal reporting period, the send them a full Cease Comm and be done with them. They will likely sell it off to another JDB. In that case, rinse and repeat.

Sub: #2 posted on Tue, 08/12/2008 - 18:47

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

what is the SOL in NC? could be that the debt is past that and
want to restart the SOL clock.that is all i can think of.

Sub: #3 posted on Tue, 08/12/2008 - 18:48

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

what is the SOL in NC?

3 years. That has long since elapsed, although they still try and report it on my credit report as being current.

Sub: #4 posted on Tue, 08/12/2008 - 19:01

Unregistered


Fed reporting period is 7.5 years from DOFD. When did the acct go delinquent?

Sub: #5 posted on Tue, 08/12/2008 - 19:09

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

you do dispute it and it is taken off your report right?if so and if you want these dullards out of your life.i would send a total
C&D letter.force there hand.either they go away or sue you.then you can use the SOL as your defense.

Sub: #6 posted on Tue, 08/12/2008 - 19:09

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

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