wifey2106 wrote:
umm well i know the debt is mine because its not from that long ago. its a unpaid telephone bill for $59 that i just want to take care of and cable bill from cox in california. i now live in va. im still trying to understand the sol thing.
SOL protects you from being successfully sued over debt after a specified time has expired. Of course it only protects you if you appear in court and use "past SOL" as your defense.
A creditor can sue at any time, just when it is past SOL, you have a defense and they won't win.
A DV isn't just sent to prove the debt is yours, but that the CA has the RIGHT to collect the debt and ABLE to collect the debt. Many CA's still remain on CRs even after they no longer own the debt. But I'm sure some of them would have no problem accepting payment.
If the debt is not with a CA, then ignore the statement above.
I have a few that I sent PFD before DV'ing. Mine were really small, as yours are.
You DON"T have to send a DV first, personal choice.
But I would not send payment until you have something in writing. Also, if these are with a CA- have you talked to OC? Sorry, dont' remember if you mentioned in the original post if they were with a CA or the OC.
