06-28-2012 09:45 AM
I just received a call from Dynamic Recovery. They left a voicemail so when I called back they told me it was for a Capital One card from 2005. The lady asked if I was going to take care of this debit, I said I need all contact to be submitted in writing to me she said we refuse to send you anymore letters we have sent letters you choose to ignore them so since you are going to deny this debit we will take it as a refusal to pay and will begin taking it out of your wages. I told her I had never received a letter from the company and I have never seen anything to state they are collecting on a debit. She refused again and said they will not send me any letters and she became hateful saying I ignored their letters and am now refusing to pay. I simply stated I need only written contact and hung up. I have never received anything from this company if my memory serves me correct I only received collection letters from Portfolio when they had this from Capital One years ago. I haven't received anything on this account in probably 3 to 4 years if not longer. What is my next step?
06-28-2012 12:36 PM
I was reading up on state SOL and it lists open accounts (credit cards) is how it is worded are 5 years in my state. My last payment to the company was 11/2006 and it says the account was closed 07/2007. So would this be out of SOL or is it in SOL untill July?
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