Ok, well....depending on which state you are in.....it is more than likely still within SOL. Once you get home, look and find out for sure.
The SOL clock starts on the DOFD (date of first delinquency) and you can find out your state's SOL
here. The SOL also depends on what type of debt this is. If you're not sure, let me know.
Unfortunately......I have a close relationship with Midland :rolleyes:........i.e. I was sued and send them a check every month.
$1500 would definitely be enough for them to sue over.
It would be in your best interest to get a DV to them ASAP. I would even overnight it to be safe. No matter how you send it,
make sure it is traceable and you get a signature confirmation.
Keep a very good paper trail with these guys. You may need it.
It doesn't have to be a long drawn out DV letter. Just a simple one stating you are disputing the validity of the debt and request validation. I am just hoping they are not already filing papers with the court. These guys work fast and they prey on the ignorant. I found out that most of their "wins" in court are due to no shows.......people that just don't know what to do or that are ignoring it. (I sat in a courtroom and watched about 7 default judgments happen before they even called my name - all due to no shows) So you have a good chance if you pay attention and correspond with them.
So get the information from home so you can figure out the SOL status.
But be sure to get out a DV to them soon. That's the most important thing right now.