Letter From Local Attorney

[nhcredit]

What is the name of your state? NH

So I get this letter from a local attorney about an old Fleet CC I use to have. According to them and now Bank of America, I owe them $$$. I have 30 days to request validation and verification of this debt. So I made a call to Bank of America and their old files say the last payment made on this acct was May 17th, 2002. Which means SLA for NH is almost met. Why does the SLA have to be June 17th, to make it to the 3 year mark??

I will request full written validation and verification of the debt in about 3 weeks, gain some time. What other requests can I make or should I make to ensure I meet the SLA. To my knowledge, this account has been closed and done with for the past 3 years!

Any assistance is appreciated!

 

[Ladynred]

Because the 'cause of action' is your default on the debt. That default happened when you failed to make the next required payment 30 days after your LAST payment.

 

[upontheventura]

Fradette Doyle & Gallant?

They are a major office in new Hampshire, and very reputable. I worked out a payment plan with them on an old Providian account. They sued immediately after the letter with the 30 days to dispute.I considered bankruptcy but just couldn't do it. SO if this is them, be careful. They will sue immediately after the 30 days. And they aren't sleazy, they abide buy the laws and don't do crooked things from what I hear- and they sue EVERYONE. My local court clerk told me this, and that they are again, reputable. It seems to me that the minute you start getting letters from local attorneys, a lawsuit is inevitable.

 

[Ladynred]

immediately after the letter with the 30 days to dispute

Which is a violation of the law !! They MUST give you 30 days to dispute and if you don't dispute, then they can go forward with collection actions. If you dispute within in that 30 days, then they MUST CEASE all collection actions - including lawsuits, until they validate the debt.

Reputable ?? I would never attribute THAT word to ANY collection attorney or agency.

 

[nhcredit]

Why settle pre-the 30 days?

I agree with Ladynred. If I have 30 days in which to contact the law office and request validation and verification of this debt, I will. Based on the below reasons alone, I have to request follow-up and validation:
1. I have never heard of or have worked with this attorney's office, they could be frauds, who knows??
2. The debt they reference is for a company I have NEVER had any business with or have agreed to do business with.
3. I have not heard from anyone in almost 3 years about what could be a 'possible' old account I once had, I'm expected to just pay this 'debt'??

I appreciate the feedback, however for my own peace of mind, I have to get more follow-up done first. Plus it's the law. I have 30 days in which to send a written response.

As a side note, what type of deal did this law firm workout for you? Were they willing to lower the debt amount, let you make reasonable payments, etc.? Just curious. I understand if you don't want to answer those questions.

Thanks Again!!