What is the name of your state? VA
I received a collection letter last week from a collection agency that I had never heard of in Colorado. After calling the collection agency, they told me that I owed $308 stemming from a bank acount that I had opened in 1999 while living in Ohio. Still feeling a little unsure about the whole thing (the bank name was just not ringing a bell to me....but I had accounts with several banks at the time), I called the bank directly. They had my information and address at the time, so I knew then it must have been an account that I had opened. The person I had spoke to had also told me that the account was closed on January of 2001 (2 months after I had moved out of state). They were not able to tell me why this money was owed, and I dont believe I had left owing any money to them. I plan on sending a letter of dispute to the collection agency, but wondered if I can also claim this as a statute of limitations issue seeing as how it has been 6 years before they even made effort to contact me. I have checked statues for Ohio, Virginia, and even Colorado and all of the time periods for statute of limitations is well below 6 years for open accounts. What is the best way to handle this as far as disputing the claim??
I received a collection letter last week from a collection agency that I had never heard of in Colorado. After calling the collection agency, they told me that I owed $308 stemming from a bank acount that I had opened in 1999 while living in Ohio. Still feeling a little unsure about the whole thing (the bank name was just not ringing a bell to me....but I had accounts with several banks at the time), I called the bank directly. They had my information and address at the time, so I knew then it must have been an account that I had opened. The person I had spoke to had also told me that the account was closed on January of 2001 (2 months after I had moved out of state). They were not able to tell me why this money was owed, and I dont believe I had left owing any money to them. I plan on sending a letter of dispute to the collection agency, but wondered if I can also claim this as a statute of limitations issue seeing as how it has been 6 years before they even made effort to contact me. I have checked statues for Ohio, Virginia, and even Colorado and all of the time periods for statute of limitations is well below 6 years for open accounts. What is the best way to handle this as far as disputing the claim??