Should I DV two accounts that fall off in eight months?

[iltph]

I have two accounts that are with CAs, which are due to fall off in eight months. The balance on one is $6,700 and the other is $5,500. Should I send a DV and hope that they cannot verify that they can collect the debt or just wait it out? If I DV them what's the worst that can happen? Is there a good chance they will start harassing me by mail or phone? (even if I state in the DV not to contact me by phone) I can't re-live that nightmare again of the phone ringing.

[dragnldy]

  Man, I hear you about the phone.  I have finally got to the point I can start answering mine again without dreading looking at the caller ID.  What a relief that is.  If it were me, I'd wait until they fall off to DV unless they start contacting you first. 

[iltph]

I haven't heard from them in three maybe four years. I've moved around a bunch (different states) and my phone number isn't on my CRs. I ESPECIALLY don't want these scumbags calling my neighbors. I've had this happen before and it was soooooooo humiliating when my neighbor told me.

I need to buy a car next month and woudl like them to be removed so I can at least get a halfway decent APR, but if it's going to start up a bunch of trouble then I'd rather not.

Message Edited by iltph on 03-13-2008 01:30 AM

[Anonymous]

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iltph wrote:
I haven't heard from them in three maybe four years. I've moved around a bunch (different states) and my phone number isn't on my CRs. I ESPECIALLY don't want these scumbags calling my neighbors. I've had this happen before and it was soooooooo humiliating when my neighbor told me.

I need to buy a car next month and woudl like them to be removed so I can at least get a halfway decent APR, but if it's going to start up a bunch of trouble then I'd rather not.

Message Edited by iltph on 03-13-2008 01:30 AM

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Be aware that if you have left the state, in some states this can toll SOL. You may not be out of SOL yet.

[iltph]

Any idea where I can easily find this information without having to read through hundreds of pages of statutes?

All three states that I've lived in the past 10 years have a SOL of 3 years.

Message Edited by iltph on 03-13-2008 01:47 AM

[Anonymous]

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iltph wrote:
Any idea where I can easily find this information without having to read through hundreds of pages of statutes?

All three states that I've lived in the past 10 years have a SOL of 3 years.

Message Edited by iltph on 03-13-2008 01:47 AM

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The SOL for the other states wouldn't matter if SOL is tolled when you leave the original state.

I *think* that they have to prove you left the state to avoid paying. Although, I do not know that.

Google "Tolling of statute of limitations in (state you first lived in)"     See what you come up with.

[RUSTY101]

What does "toll SOL" mean?

[fused]

SOL links!

http://www.fair-debt-collection.com/statue-limitations.html

http://www.bankrate.com/brm/news/cc/20040116b2.asp