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Handling Calls After SOL Expiry
I'm getting calls from a creditor from so long ago the Statute of Limitations has expired. (8 yrs. 5 mos., and I'm in a 6 yr. state). I hung up on the first call so as not to say anything stupid. What, if anything, can I safely say if called back?
Asked by
Toastingham
1 year ago
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Tell them EXACTLY that.... "The Statute of Limitations have expired for this account and if you contact me again regarding this account I'm going to file charges against you. I don't owe you anything". Then simply hang up the phone... Too bad there aren't many house phones around where you can slam it in their ears.
afili8ter 1 year ago
Also tell them if they should try and take you to court you will be using that as your defense. It does work because I did it. I also wrote a letter and told them if it wasn't taken off my credit report asap, I would file a lawsuit against them and sue them. Mine was off within two days and my score jumped over 20 points
traceyfry 1 year ago