@Casey
Exactly. Also, take a picture of your letter before sending it through certified mail. Laws vary by state, so make sure you know your local rules.
How old is the debt, and what’s the statute of limitations where you live?
Carter said:
How old is the debt, and what’s the statute of limitations where you live?
It’s about a year old. I live in Iowa, where it’s five years for unwritten contracts and ten years for written ones.
@Quill
Even if it’s within the statute of limitations, they’d still have to win in court to collect.