Advice Please

[Anonymous]

In May-June, 2002, my ex-husband wrote several checks from our joint checking account in Colorado. During this time, I left him and moved to Arizona. The bank imposed a little over $500 in rubber check fees on the account. Eventually, this became two blemishes on my credit report---one from the bank, and one from the collection agency hired by the bank.

Finally, all of those have dropped off my credit reports. The last one disappeared from TU last month.

Yesterday, I get a letter from the collection agent, asking for payment. har-de-har. If I wasn't going to pay for his bills over the past seven years, I'm sure not inclined to do it now.

My question is:  Should I write back and go through the motions of asking them to verify the debt; should I tell them that the debt is beyond the SOL; or should I just ignore them entirely.  Do they have any recourse in any event?

[Anonymous]

If you left the state and CO tolls SOL, these may very well still be within SOL, even though they are beyond CRTP.

So, I wouldn't respond at all until you determine if they are within SOL or not. Check the state resources thread.

[Anonymous]

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@Anonymous wrote:

If you left the state and CO tolls SOL, these may very well still be within SOL, even though they are beyond CRTP.

So, I wouldn't respond at all until you determine if they are within SOL or not. Check the state resources thread.

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I have no idea what "tolls SOL" means, and I don't know where the "state resources thread" is.  I need a little more explanation, please.

[Anonymous]

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@Anonymous wrote:

If you left the state and CO tolls SOL, these may very well still be within SOL, even though they are beyond CRTP.

So, I wouldn't respond at all until you determine if they are within SOL or not. Check the state resources thread.

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Ahhh. Looked up "tolling." It seems to apply to criminal acts. Since I didn't commit a criminal act (my ex-husband did), it doesn't seem logical that the SOL would be suspended for me. (In fact, Colorado is not a community property state so, in the strictest most technical sense, I'm not even liable financially except for the fact that it was a joint account. All that notwithstanding, I can't be held criminally liable for the independant criminal acts of another person, committed without my knowledge, no matter how we are bound together domestically or otherwise.)

So, I guess I'm back to my original question:  Would it be best to ignore this letter; request a verification of debt; or just tell them to take a hike?

[Anonymous]

I believe if the account was a joint account and there is money owed on the joint account to the bank, they can sue you as well.

Toll means to stop the running of the limitations period. The state resources thread you can find from the link below.