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I am still new at all of this, I have printed off the Glossary of Terms from the Newbies section, the FCRA, and the FDCPA. From what I have read so far, utilizing the FCBA is difficult as it only deals with OC billing requirements. This is where I am confused, on several threads, State SOLs are discussed, but I do not know if state SOLs supercede the other rules. I am in Nevada and what I found is as follows: ACTIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY NRS 11.190  Periods of limitation.   Except as otherwise provided in NRS 40.4639, 125B.050 and 217.007, actions other than those for the recovery of real property, unless further limited by specific statute, may only be commenced as follows: 1.  Within 6 years: (a) An action upon a judgment or decree of any court of the United States, or of any state or territory within the United States, or the renewal thereof. (  An action upon a contract, obligation or liability founded upon an instrument in writing, except those mentioned in the preceding sections of this chapter. 2.  Within 4 years: (a) An action on an open account for goods, wares and merchandise sold and delivered. (  An action for any article charged on an account in a store. © An action upon a contract, obligation or liability not founded upon an instrument in writing. (d) An action against a person alleged to have committed a deceptive trade practice in violation of NRS 598.0903 to 598.0999, inclusive, but the cause of action shall be deemed to accrue when the aggrieved party discovers, or by the exercise of due diligence should have discovered, the facts constituting the deceptive trade practice. So, does this only mean that an CA can only attempt to collect a debt for 4 years, or that they may only leave on a report for 4 years. Am I even looking in the right place? I appreciate any help, Please.

Hey all, So I have a really old charge off with First Premier that is still showing a balance due. This debt is well beyond the SOL and has only about 8 months left to report. So out of the blue Istart to get phone calls from First National Collection Bureau out of Nevada. I received two phone calls initially, they were both automated messages, not a real person. The first call I just hung up, the second call I waited to see if I can get someone on the line ( I know not advised ) I found it funny that they have been trying to get a hold of me forever as the recording stated. I finally get someone on the line, they state the debt, I say nothing, then they verify my address, then I say you are not allowed to contact me via any phone number listed and that you need to send any correspondence through US Mail. That was the extent of the phone call. Now I need to say that I have never received any dunning letter or any other form of communication except via the automated calls. It has been 10 days since the initial contact. Here are my questions on violations. Are the automated phone calls a violation? I though I read that somewhere. ( calls were made to my cell ) Don't they have to provide a dunning letter 5 days after initial contact? It's been 10. Since that initial phone call there have been no letters or other attempted phone calls I also I live in Texas. Thanks, D