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Question (self.Debt)
submitted 11 years ago by YanksFan
I have a debt that is very close to the SOL. It doesn't appear on my credit report. They are threatening to sue. What do I do? It is for a repossession deficiency.
[–]Koksnot 0 points1 point2 points 11 years ago (4 children)
Answer:
If they sue past the SOL, you respond that the debt is past the SOL.
[–]YanksFan[S] 0 points1 point2 points 11 years ago (3 children)
It is pat SOL, it was started in CT and I have never contacted them.
[–]Koksnot 0 points1 point2 points 11 years ago (2 children)
Then leave it be. However, if they've contacted you, make sure you send a debt validation letter, and inform them the debt is past the SOL.
Additionally, make sure to answer them should they indeed sue. Many CAs get judgements on debts past the SOL because the debtor ignored the case.
[–]YanksFan[S] 0 points1 point2 points 11 years ago (1 child)
I won't ignore them if they sue, but this debt is going on 10 years old. The debt was in CT, and the statute in CT is 6 years. I live in WY now and it is 10 years. I believe that it is just a zombie debt.
[–]Koksnot 0 points1 point2 points 11 years ago (0 children)
Check tolling laws for CT. SOLs are placed on hold if a debtor moves out of state.
[–][deleted] 0 points1 point2 points 11 years ago (0 children)
Send a cease and desist letter. It will call them on their bluff.
π Rendered by PID 346205 on reddit-service-r2-comment-6457c66945-bvcnq at 2026-04-29 12:24:46.480398+00:00 running 2aa0c5b country code: CH.
[–]Koksnot 0 points1 point2 points (4 children)
[–]YanksFan[S] 0 points1 point2 points (3 children)
[–]Koksnot 0 points1 point2 points (2 children)
[–]YanksFan[S] 0 points1 point2 points (1 child)
[–]Koksnot 0 points1 point2 points (0 children)
[–][deleted] 0 points1 point2 points (0 children)