Q: In Georgia, does responding to a collection notice by denying the debt reset the SoL clock for the debt?
Charter has sold an account of someone with my name, but living in a different state, that I've never lived in to collections agencies. I've disputed it multiple times and with all three credit agencies, but several months after dealing with one collections agency, it come back from a different debt collector. This has happened 4 or 5 times, and I just got a notice from a new debt collector. I was going to sent a written letter stating that the debt is not mine, but my wife thinks that doing so will reset the Statue of Limitations on the debt. How should I proceed, send the letter denying the debt, or ignore it and dispute it with the collections agencies when it gets reported to my credit?
A: Disputing the debt will not reset the statute of limitations. You should send a letter disputing the validity of the debt and explain once again that it is not yours and you have never lived in the state where the debt allegedly was incurred.
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