Expired SOL procedure

[Anonymous]

The medical procedure was in July 2001.  I have taken no action prior to now.  The SOL has run out.  So I send the validation/dispute/cease and desist letter.  If it turns out that the charge is valid, what can I expect the response to be?  I have taken step one of the HIPAA process outlined here.  Steps two and three only seem valid if the debt is not expired.  Am I correct in this assumption?

I have learned so much here.  Thanks to all...

[fused]

Reporting SOL is seven years from the treatment date, so this med collections shouldn't be on your reports. Legal SOL may or may not have expired. What was the procedure? Is this debt from a doctor, hospital, etc.?

[Anonymous]

Thanks for responding.  What's the difference between legal SOL and CA/CBR SOL?  I'm unclear about who is the OC.  Are there different rules pertaining to different entities? 

[fused]

Legal SOL is how long the CA (or OC) has from the date you defaulted (with med collections, seven years from the date of treatment) to effectively sue you.

Reporting SOL is how long the CA can report your med collection. Med collections report for up to seven years after the treatment date. Even if the legal SOL hasn't expired, the reporting SOL on this debt has, it shouldn't be on your reports.

Keep in mind, certain med debt has no SOL. What was the original debt from?