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Evening. I just received a letter in the mail from RJM Acquisitions stating that they purchased an account that I use to have with S&H Greenpoints/HSBC Mastercard. The DOFD is around 2006 - and nothing paid since. I have not many any attempt to communicate with RJM. I have no negative accounts on my credit report - and will go to war to keep it that way
What is the best way to handle this situation? The SOL for my state is 6 years, so this has long passed. I am assuming they are just trying to get me to bite and hope that I contact them in order to make arrangements to pay. Since nothing is reporting on my credit (at the time), should I send a DV or just ignore - or is there some other approach?
Thanks in advance for the help!
Dofd 2006. Past reporting period. Past SOL. Personally I would send a cease and desist letter aka foad.