Question on Debt Collection Cease & Desist Letter

Anonymous · ‎10-13-2010

Yesterday I got a collection letter for a 10 year old debt that expired on statute of limitations 4 years ago.

I copied one of the many Cease & Desist letters available on the internet and inserted the following two sentences:

"The Statute of Limitations has long since expired in both California and Colorado on this alleged debt you claim I owe. Furthermore, I am disabled and on Social Security which is my sole income and is federally protected so it is a complete waste of time to even discuss this alleged debt."

My question is should I delete the 2nd sentence regarding Social Security as providing too much info or simply not being necessary? I'm in enough stress and just want them to GO AWAY!!!

Thanks

Anonymous · ‎10-13-2010

@Anonymous wrote:

Yesterday I got a collection letter for a 10 year old debt that expired on statute of limitations 4 years ago.

I copied one of the many Cease & Desist letters available on the internet and inserted the following two sentences:

"The Statute of Limitations has long since expired in both California and Colorado on this alleged debt you claim I owe. Furthermore, I am disabled and on Social Security which is my sole income and is federally protected so it is a complete waste of time to even discuss this alleged debt."

My question is should I delete the 2nd sentence regarding Social Security as providing too much info or simply not being necessary? I'm in enough stress and just want them to GO AWAY!!!

Thanks

Hello and welcome to the forums.

It's not necessary to say anything about SS.

These companies know all about SOL. They just hope YOU don't know about it.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 8/10-772
You can do the same thing with hard work

Anonymous · ‎10-14-2010

@Anonymous wrote:
Yesterday I got a collection letter for a 10 year old debt that expired on statute of limitations 4 years ago.

I copied one of the many Cease & Desist letters available on the internet and inserted the following two sentences:

"The Statute of Limitations has long since expired in both California and Colorado on this alleged debt you claim I owe. Furthermore, I am disabled and on Social Security which is my sole income and is federally protected so it is a complete waste of time to even discuss this alleged debt."

My question is should I delete the 2nd sentence regarding Social Security as providing too much info or simply not being necessary? I'm in enough stress and just want them to GO AWAY!!!

Thanks

A simple Cease & Desist is the answer. Offering extraneuos information such as your source of income is not at all necessary ... or even recommended.

RobertEG · ‎10-14-2010

+1

Send a simple cease and desist letter: NO mention of SOL or other personal matters. They are totallly irrelevant.

You dont have to provide any reasons to support your notificatiion of requirement for cessation of communication with you. Period.

"This is a notification under the provisions of FDCPA 805(c) that you are to immediately cease all further communication with me, either written, telephonic, or via any electronic means, such as email, concerning all matters with respect to this allged debt."