PLEASE Can anyone help me SOL for Montana

[Anonymous]

can anyone tell me how you come up with SOL on a cc debt when you live in Montana? I've tried.

my husband recieved a letter from an Attorney for PINNACLE CREDIT SERVICE threaten collection on a cc that fell off his CRA report in 02/2007 for Household Bank

Message Edited by SpunkyOne on 09-24-2007 10:04 AM

Message Edited by SpunkyOne on 09-24-2007 10:06 AM

Message Edited by SpunkyOne on 09-24-2007 10:28 AM

[fused]

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SpunkyOne wrote:

can anyone tell me how you come up with SOL on a cc debt when you live in Montana? I've tried.

my husband recieved a letter from an Attorney for PINNACLE CREDIT SERVICE threaten collection on a cc that fell off his CRA report in 02/2007 for Household Bank

Message Edited by SpunkyOne on 09-24-2007 10:04 AM

Message Edited by SpunkyOne on 09-24-2007 10:06 AM

Message Edited by SpunkyOne on 09-24-2007 10:28 AM

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Montana is 8 years. For more info read the link below.

http://www.fair-debt-collection.com/statue-limitations.html

[Anonymous]

CC  SOL is 5 years.   ( CC are open contracts not written)

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

http://www.fair-debt-collection.com/SOL-by-State.html#7

Message Edited by HappyDays on 09-24-2007 11:03 AM

[fused]

Happy you're right, my bad! I was in such a rush I didn't read it through. Glad you got it right!

[Anonymous]

Happy how would I dispute this then ? What letter would I send Attorney and or Pinnacle Credit Services, LLC ?

[Anonymous]

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SpunkyOne wrote:

can anyone tell me how you come up with SOL on a cc debt when you live in Montana? I've tried.

my husband recieved a letter from an Attorney for PINNACLE CREDIT SERVICE threaten collection on a cc that fell off his CRA report in 02/2007 for Household Bank

Message Edited by SpunkyOne on 09-24-2007 10:04 AM

Message Edited by SpunkyOne on 09-24-2007 10:06 AM

Message Edited by SpunkyOne on 09-24-2007 10:28 AM

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When it fell off  was the CRTP past?  CRTP is 7-7.5 years. It would  mean the DOFD was in  1999 or 2000.

I had 4 fall off that weren't past CRTP. The CA took over BUT it was already past my SOL.

If this is correct. You can ignore it or send a DV to the CA (just because they say attorney doesn't mean they are).  SOL would have past before CRPT.

IF SOL is past  they can not sue you. Then I would send a DV   CMRRR

If you are sure that CRTP is past  tell them that they have 5 days to delete it!!!  You MUST be sure!!

Message Edited by HappyDays on 09-24-2007 01:25 PM

[Anonymous]

it say acct was opened in 02/00  dofd was 07/00 closed 02/01

not sure what crtp is looked at abbrev, and didnt see it

Message Edited by SpunkyOne on 09-24-2007 02:09 PM