My husband received a letter last night from CAMCO, from a Mike Thomas. He called Mike Thomas who explained that he owed $2295 to Chase on a debt that was dated 1988 (sixteen years ago!). Mike Thomas told my husband he finally located him regarding this 16 year old debt by contacting his American Express and Bank One accounts (meanwhile my husband has lived at this address for eleven years). Mike also mentioned that my husband had an "impeccable credit report", so obviously he ran a credit report.
Our first reaction was to pay this amount asap (although my husband denied the debt was his while on the phone, and refused to provide any personal information whatsoever; but after he hung up, we realized it was his debt which he thought had been written off many years ago). I went online and did a search for CAMCO and found your website. From there I learned that he should write to CAMCO telling them that he was aware of the Statute of Limitations in New York and that he considered the matter closed and not to contact him again. We are sending it to them via certified mail on Monday.
Is that enough for now? Is there anything else we should do or should we wait until we hear from them again, either telling us they are dropping the matter or that they will sue us? Should we request validation of the debt at this point or wait?
Thanks in advance.
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