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Thank you for your question today, I look forward to assisting you. I bring nearly 20 years of legal experience in various disciplines.Well, Arizona law may or may not be the law that applies. It depends on the type of debt and whether or not their was a contract signed on the debt which might have had a "choice of law" clause in it, applying a different state's laws. Furthermore, the statute of limitations runs from the last time the debt was affirmed, which could be the last time a payment was made or even promised. This is how they sometimes revive a debt after the statute of limitations has passed. Don't make any promises to them.Just things to consider.In Arizona, on an open account or oral contract, the statute of limitations is three years. On a written contract, the statute of limitations is 6 years.
If I dispute this, can I tell them that the status of limitations are up?
If this is from 2004, I should not have to pay this correct?
How are they allowed to collect on something from 9 years ago?
So I need to reply to their collection notice and advise them "Not to contact me again" Is this admitting that I owed the debt in anyway?
Do I need to reply to their collection notice?
In their letter it states that unless you notify this office within 30 days after receiving ths notice tht you dspute the validity of this debt or any portion thereof, this office will assume this debe is valid. How can they assume this debt is valid if I don't reply to them?
In my best interest I should respond to their letter with "do not contact me again. Sue me if you want this money."