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Deadline for debt collector to validate

Enyart
New Visitor

Deadline for debt collector to validate

I received an email notice from TrueAccord on Nov 5, 2021, claiming I owed a debt for $108 to Jefferson Capitol Systems (which I learned was another debt collector). I disputed this and said I've never done business or bought any product from Jefferson Capitol Systems (yes, intentionally playing dumb) and therefore, the claimed debt was not valid. They responded on Nov 20 and said they would pause all activity until the received validation from Jefferson. Not a peep out of them since.

 

Is there a timeframe in which they must respond?

 

I'm pretty sure I know what this is about and it's something that would have been prior to July 2013, which is when I moved to Canada. This means the SOL has expired, so I don't have any legal concerns here (not that they'd sue for $108 anyway). Same goes for reporting to the CRA's....time-barred after 7 years.

 

It's been more than a month since they replied to my dispute. Is there a point where I can call game over and tell them the matter is closed? 

Message 1 of 4
3 REPLIES 3
dragontears
Valued Contributor

Re: Deadline for debt collector to validate


@Enyart wrote:

I received an email notice from TrueAccord on Nov 5, 2021, claiming I owed a debt for $108 to Jefferson Capitol Systems (which I learned was another debt collector). I disputed this and said I've never done business or bought any product from Jefferson Capitol Systems (yes, intentionally playing dumb) and therefore, the claimed debt was not valid. They responded on Nov 20 and said they would pause all activity until the received validation from Jefferson. Not a peep out of them since.

 

Is there a timeframe in which they must respond?

 

I'm pretty sure I know what this is about and it's something that would have been prior to July 2013, which is when I moved to Canada. This means the SOL has expired, so I don't have any legal concerns here (not that they'd sue for $108 anyway). Same goes for reporting to the CRA's....time-barred after 7 years.

 

It's been more than a month since they replied to my dispute. Is there a point where I can call game over and tell them the matter is closed? 


They never have to respond. They just can't resume debt collection activities until the validation is sent to you since you responded to the dunning notice requesting validation within the 30 days.

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Message 2 of 4
OmarGB9
Community Leader
Super Contributor

Re: Deadline for debt collector to validate


@Enyart wrote:

I received an email notice from TrueAccord on Nov 5, 2021, claiming I owed a debt for $108 to Jefferson Capitol Systems (which I learned was another debt collector). I disputed this and said I've never done business or bought any product from Jefferson Capitol Systems (yes, intentionally playing dumb) and therefore, the claimed debt was not valid. They responded on Nov 20 and said they would pause all activity until the received validation from Jefferson. Not a peep out of them since.

 

Is there a timeframe in which they must respond?

 

I'm pretty sure I know what this is about and it's something that would have been prior to July 2013, which is when I moved to Canada. This means the SOL has expired, so I don't have any legal concerns here (not that they'd sue for $108 anyway). Same goes for reporting to the CRA's....time-barred after 7 years.

 

It's been more than a month since they replied to my dispute. Is there a point where I can call game over and tell them the matter is closed? 


If they never responded and if they never reported anything, then I'd just let it be. Why poke the bear?


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Message 3 of 4
coldfusion
Community Leader
Super Contributor

Re: Deadline for debt collector to validate


@Enyart wrote:

 

I'm pretty sure I know what this is about and it's something that would have been prior to July 2013, which is when I moved to Canada. This means the SOL has expired, so I don't have any legal concerns here (not that they'd sue for $108 anyway). Same goes for reporting to the CRA's....time-barred after 7 years.

 


Technically the SOL may not have expired if the collector knew you've been living outside the US as legally tolling the statute of limitations might apply.   Whether or not someone would want to actually be bothered with going through all of that rigamarole for $108 is debatable though.

 



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