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dieselcafe wrote:
I had an account with Target that I opened in the 90s and it was sent to collection and did not pay it and it is nowhere found on my credit report today or 6 months ago. I beliieve it has passed the statue of limitation. Today, I recieved a letter from a collection agency called Northhand Group to tell me that they give me a settlement of of $272.30 (the orginal balance was $907). What should I do?
@Anonymous wrote:
@dieselcafe wrote:
I had an account with Target that I opened in the 90s and it was sent to collection and did not pay it and it is nowhere found on my credit report today or 6 months ago. I beliieve it has passed the statue of limitation. Today, I recieved a letter from a collection agency called Northhand Group to tell me that they give me a settlement of of $272.30 (the orginal balance was $907). What should I do?CRTP and SOL is different.CRTP is 7-7.5 years from DOFD.SOL is state based. What is your SOL? Some states have long SOL.If past SOL, then you are not legally obligated to pay.Once past SOL, it is up to you to pay or not. You can send them a cease and desist letter if you chose and they have no option but to comply.