Email is fine, but with PRA, they're actually good about deleting their collection once paid/settled. Unless you're referring to the dollar amount, in which case, yes, I'd wait for that email.
50% really isnt bad. Yeah most people want 30. PRS already goes against their agreement with the CRA's not to delete. But they do anyway. Letters dont go out with them much at all. Your lucky it is with them. Or you'd be stuck for the entire 7 yr period. Look at it this way. Your paying to be out of debt with a CA and a score rise.
@vntrsc wrote:What is the nature of the debts? Credit card debts have a 6-year SOL in AZ.
Its 3 years on CC debt.
@FireMedic1 wrote:
@vntrsc wrote:What is the nature of the debts? Credit card debts have a 6-year SOL in AZ.
Its 3 years on CC debt.
AZ amended §12-548 around 2011 or 2012 to include credit cards in the 6-year SOL.
12-548. Contract in writing for debt; six year limitation; choice of law
A. An action for debt shall be commenced and prosecuted within six years after the cause of action accrues, and not afterward, if the indebtedness is evidenced by or founded on either of the following:
1. A contract in writing that is executed in this state.
2. A credit card as defined in section 13-2101, paragraph 3, subdivision (a).
https://www.azleg.gov/viewdocument/?docName=https://www.azleg.gov/ars/12/00548.htm
See also Mertola, LLC v. Santos - AZ Supreme Court, 2018
"Mertola, LLC, sued Alberto Santos and his wife Arlene Santos (collectively, "Santos") to collect an outstanding credit-card debt."
"Mertola's claim was barred by the statute of limitations six years after that date pursuant to A.R.S. § 12-548(A)(2)."
