Reply to Debt that's already gone to collections

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[quote=Anonymous][quote=Anonymous]I'm pretty sure the date of last activity is when the clock starts ticking.  They don't get to reset the clock by selling the debt to a collection agency.

How many debts do you have in collections?  If it is just this one, or if this is the "newest" one, I would probably just let it age off of your report.

Are you getting any collection notices?  You could send a debt validation letter to each creditor just to see if they have all of the paperwork they need to collect on it.  There are sample letters our there you can use.  You need to send it registered mail, so that you get proof that they received it.  If they don't have all of the necessary paperwork, they will have to drop it.  They will sell it to another collection agency, but then you send the new agency another letter.[/quote]

I have six debts in collections. I got collection notices for a couple of years, and still get collection calls (which I never answer after making that mistake a few times and seeing how aggressive they get). [/quote]

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