Then the letter gives me three options to pay off the debt. You should determine the effect of any actions you take with respect to this debt." In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. Because of the age of your debt, we (Jefferson Capital Systems) cannot sue you for it and we will not report it to any credit reporting agency. The law limits how long you can be sued on a debt. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor if different from the current creditor.
If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. NOTICE: Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. "Please allow this letter to introduce Jefferson Capital Systems, LLC as the owner and current creditor of your referenced account. I'm just gonna type out what the letter says. Hi all, I received a letter a few weeks ago and it's dated January 28th, 2015. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.
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