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The DOFD for the HSBC account they are collecting was 12-2006, its outside the SOL in Iowa
Is there anything I need to avoid stating in my email? I fully admit the debt is mine, because frankly, it is. Before I pull the trigger and hit send, I just wanted to ask if anything I need to be careful of even when its time-barred.
Thanks!
From what I've learned on the forums, you should never admit or accept the debt. Maybe you should run your email by a moderator before you hit send.
I just heard back from Midland in regards to two letters I sent requesting debt verification, and they have stated they can't verify and will be deleting the accounts. Perhaps you should request validation before offering a settlement.
If they remove it, it's gone. If it is excluded from a simple pull of your CR due to the fact that it has exceeded the CRTP, then it is still a valid debt.
@peepers wrote:
Got it! Thanks..... Off to research DV letters.
Ps... Any idea why its reporting closed, with a balance that is still getting $20 added to it each month??
Uhm... nope!