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lawyer Kelsey, Andrea L. Reviews

They cannot re-age the debt and place it on the credit reports. If they do it would be a violation of the FCRA.. . They might be able to re-set the collection SOL, if your state allows it, if a written agreement to pay is made with them, or if a check bearing the debtors signature is sent to them for payment.. Some states allow the collecting SOL to be re-set, others don't. Generally with most states that do allow it, is when a written and signed contract to pay is made by the debtor - a signed check can be considered as a written contract.. . If it is within 30 days from hearing from this zombie collector, then your parents should protect their rights and send a debt validation letter - within 30 days of first contact!!. The letter Pengy included would not work since you should not request validation and include a cease & desist demand in the same letter.. If it were me, sending a validation request, I would say:. . This is a response to your . This is not a refusal to pay, but a notice that your claim is disputed.. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment, as phone calls are inconvenient to me. I am requesting that all future correspondence from you be sent by USPS.. . Sincerely,. print initials or type name ONLY (see CatDads comment about that). . Send it certified mail return receipt.. . If it has been longer then 30 days from their first contact, it would be an almost useless expense to request validation.. If so, then you should move onto the sample C&D that CadDad posted. But, I would not suggest sending a C&D on it's own, it should "always" be a part of a SOL letter.. . You can Google the term - statute of limitation letters to find a sample letter. Just be sure that the sample letter template is free to use, never pay for what you can get for free.. . As for the SOL, wireless/cell phones actually fall under the Federal Government for SOL.. The Fed SOL is:. Telegraphs, Telephones, and Radiotelegraphs - 47 USC Section 415. Sec. 415. Limitations of actions. . You can Google that and read the full text of the statute.. . You can also use your own states SOL if you wish. You would either use the Open SOL or you would use the UCC 4 year SOL (for goods & services), whichever is shorter.

One way to approach the Business Plan template is to consider it as a resume and application template all rolled into one for your business. Often, many of the sections are very easy to fill in where as others are not. Often, the template introduces ideas, sometimes in the form of needs or just plain concepts, that one has not even thought of. For most, the Business Plan and/or template is a document that is re-visited several times with additions, edits, and revisions over a period of time when initially filled out. Many businesses incorporate a semi-annual, annual, episodic, or milestone based review and revision of their Business Plan template in their business management practices.

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