Dunning letter from CA/JDB Questions

[TML16]

I received what looks like a run of the mill dunning letter from Nelson & Kennard. I owe $2700 but the interesting part is this. The JDB is National Credit Adjusters. I have an old TU credit report from May 2010 that shows them as a trade line on my report. It looks like they bought the debt from Chase/WAMU in Dec. 2009, the time it was charged off and one full year after I made my last payment on the account. The entire time NCA had this account I never received a dunning letter from NCA or a phone call at my work, which is the only phone number they can attempt to reach me at.

I want to send them a DV letter but do I have them on any violations? Should I consider looking at arbitration? I tried to find a similar situation in the forums and I couldn't find any similar experiences.

[AngelinaCatHub]

Check your S.O.L.'s as I believe they cannot collect on you after two years. DO NOT acknowledge anything by letter or phone or the SOL will reset. 'Hub

[TML16]

Thanks for your quick response. It's four years in CA. I'm halfway there. I'm also seriously considering Chapter 7.

[GoingDown]

Check your S.O.L.'s as I believe they cannot collect on you after two years. DO NOT acknowledge anything by letter or phone or the SOL will reset. 'Hub

They can continue to attempt to collect the debt after the SOL by phone calls, letters, etc.

They can even sue you, but if you filed a written answer using the SOL as an affirmative defense against the lawsuit, you would win.

In most cases, I agree that it is good advice to never talk to them on the phone.

And if you do send them a letter, always dispute the validity of the alleged debt. Never admit to anything.

Most of my debts are beyond the SOL now, and I no longer get calls from them. But awhile ago I got a nasty letter from a very old zombie debt that was so old they couldn't even put it on my credit report. Since they didn't have my phone number, so they couldn't call me, I just simply ignored their letter and never heard from them again. Once they get past the SOL, it is often best to simply ignore them, unless they sue you (which is very rare for SOL debts).