When an OC reports a CO Bal $0  they have sold it to a CA.............you need to know the DOFD/DOLA   this will also tell you when you are out of SOL.  Being out of SOL is to your benifit and is very important!!!!!!!

 

What is the DOFD/DOLA  and what is your SOL?

 

Being past SOL doesn't mean that the CA can not report!!!

 

By law (which they usually do not follow)  they must notify you & give you 30 days to answer their letter.

 

You need to send them a DV letter  CMRRR       and if within SOL be ready to PIF. Always try to PIF with a PFD!!!