If a collection account has passed the statute of limitation (SOL) for collection through the court system collectors have no legal leverage. It is important to note that side bearing manufacturers the SOL clock starts with the original default date on the original collection, not the date that the collector reports the debt to the credit bureaus; SOLs have no bearing on reporting period limits and are almost always considerably shorter.

　　It is vital to your credit repair effort to know that collectors buy and sell debt frequently. Once you inform a collector that you have an attorney they must ask you for the attorneys contact information and stop contacting you. If they cannot provide the documentation they must cease collection efforts. This credit repair strategy stops most manipulative collectors in their tracks as they simply wont dare step over legal lines when dealing with an attorney.

　　If you find yourself lost in the details and dont have the time to manage credit issues as carefully as you should just contact a credit repair professional. Good luck!

　　Collectors can be aggressive. All Rights Reserved. Once you have an attorney who is willing to manage your collection issues you can quickly deflate all controlling collector communications. This serves several valuable purposes. A professional credit repair service will dispute questionable collections that appear on your credit report, research all statutes of limitation, validate the debt on any active collections, and help you understand your options on any collections that are determined to be valid. There are those who do their job in an ethical and professional manner, but many in the collection industry are trained emotional terrorists who prey on consumers ignorance. In fact, if you take some time to understand your legal rights you may find that you can gain the upper hand and even profit from the situation. When a collector sells an account to another collector or sends it back to the original creditor they are supposed to withdraw the account from your credit report; this rarely happens.

　　No one likes to get a collection letter, but it represents a credit repair opportunity. It will validate the legitimacy of the debt, eliminate expired and undocumented collections, and if the collection is valid you will have an accounting of the dollar amount owed. You dont have to be intimidated; there are many credit repair techniques that can help. Once they receive your letter they must stop contacting you, except to acknowledge receipt of your letter or to inform you that they are pursuing a legal remedy. If they sue you, you will have to appear in court to use your SOL defense, but you will prevail. If you are contacted by a collector about a collection that is beyond the SOL you can use a cease communication letter with no fear.

　　If you wish to put an end to a collectors phone calls you can send them a Cease Communication letter. All Content. If you send a written response to the collector within thirty days of getting a collection letter you have the right to ask for proof of their legal right to collect the debt, as well as an accounting of the amount they claim is due

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