Second collection attempt

In 2009 a California based Law firm attempted to collect on my repo-ed vehicle. I used the Debt Validation process with the initial Law firm and it worked on them in Sept, 2009. They failed to respond and my credit report says \"collection/chargeoff\". Last month, I was contacted by another collection company trying to collect on this amount. I paid last on this account in 2008. There is a chance the SOL will also come into play. The letter that I received last month is very similar to what the law firm sent me in 2009. The letter indicates they are being contracted by US Bank to collect on an overdue account and giving me 30 days to contact them. What should my course of action be at this time ....please help!

2 Answers

If the debt is validated, then you can pay it off this time.


DV them.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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