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Showing results for tags 'time barred'.
We sent a dispute to MCM for a time barred acct on DH's CR. Our dispute letter cited state law about time barred debt, told them to stop contacting us and to delete from CR. They responded with a bunch of old cc statements and a letter requesting payment. They also indicated they would no longer contact us as we requested unless it was to further respond to our dispute. Nowhere in the letter did they indicate the debt was time barred and that they would not sue. Is this a violation of the FDCPA? We live in FL. Thanks.
I have been trying to get a correct, legal answer to this question. I have several zombie TL's on my reports which come back verified (thanks Experian and Equifax). Various online sites say reporting zombie debt (debt known to be outside of the statute of limitations) is illegal, while other sites that debt can remain on credit reports for 7 years. Is there a straightforward answer to this? Thanks.