like the others suggested, they could in ordinary words rfile it for the unique time and can't reage it to rfile for an prolonged era. Like OC1999 suggested, if both the unique creditor and the collector are reporting it, the unique creditor "might want to" rfile it with a nil stability. As for the accumulating SOL, the repo voided the unique settlement. The deficiency stability does no longer fall lower than written SOL statutes yet extremely lower than the UCC (Article 2) with a 4 three hundred and sixty 5 days accumulating SOL. so a procedures as suing, they could continually "attempt" to sue regardless of in case you're previous the accumulating SOL. it must be as a lot as you to apply an affirmative protection of SOL in the adventure that they do ensue to sue. it ought to correctly be on your perfect interests in case you suggested them that the accumulating SOL has surpassed and that that is time barred. in the adventure that they are sensible they would not sue no matter if that is shown to them, in writing, that the alleged debt is time barred. in the adventure that they are dumb adequate to report, you've the protection of SOL plus you ought to report a counter declare on them for filing on a time barred debt. The letter a previous poster printed is a request for validation. in case you purely favor validation you ought to judge sending it. in case you want to inform them the account is no longer legally collectible you ought to click on my profile and click on the awesome link I easily have listed. that is to a loose credit talk board. Do a glance for contained in the credit talk board for "repo" and do slightly reading. you'll locate the link to the repo letter, yet in case you do not you ought to placed up a question contained in the credit talk board and ask for the link to the letter to dispute the repo deficiency. The letter is likewise loose to apply and it has the UCC statutes and case regulation protected.