SOL and trying to understand

[zpcg05]

Where to start, I recieved a letter from Borack and Assoc the 11th of this month. I have been reading on this site and what and how to handle this. I have since wrote a DV letter to them, havent mailed it yet and also i have reasearched my info on SOL in Florida. My queastion would be , my SOL on the alleged account with expire in about three months. I have waited to send the letter back to them at the last possible moment. Can they take immidate action against me or will the process take a while? If they have to verify about how long will that take? When and if they file against me does that stop the SOL or does the SOL keep running until the day in court. They are callin about 2X a day now and only leaving messages on the first attempt. Were should i go from here. Do the attorneys not normally have all documetation? Also im trying to undeerstand this SOL thing. There are different opions on how to fight SOL. Its a Cap1 account, I opened it over the intrenet while i was living in Georgia, in 2004 , moved to Florida soon after. So i hear alot of people saying to use Va sol where Cap1 is based, my info shows a Utah address. Georgia and Florida have the same SOL for credit card debt 4 years, so how can one use Va sol which is 3? Any help would be appreciated.

[NightStar]

The SOL will continue to run, debt validation will take 30 days, maybe longer depending on the collection agency, it is possible that they can still sue in court.

Myself I would wait on sending the debt validation. Wait the 3 months until the SOL is up. It looks like it is going to be close for you.

[zpcg05]

Yes it will be close, thanks for the reply NightStar

[WhatTheFrank.com]

Borack and Assoc is not that big. In my opinion only the big ones sue.