Question about 6+ yr old debt
12-12-2012 08:33 AM
Hello, If anyone is willing to help.
I have a debt with a CA on my report that shows a DLA of 11/2006. The SOL in my state is 6 years. I truely don't recall the debt, and the creditor JUST started calling. I stated during the call that I don't recall the debt and they came back with the "don't give me that" line. They did have a valid last 4 of my SSN.
Anyway, my question is, should I send a DV letter? Should I send a C&D? I don't want to reset the DLA since the SOL is up, and it will fall off of my report in another year, but I really need it off NOW. Any suggestions?