I received a collection letter from Capital Management Services for a debt from another collection agency. Their client, Calvery Portfolio Services had this account for over four years and they never sent me a collection letter. Their client has charged $1,302.71 interest on a $1,583.00 debt. I checked at Bankrate.com and the statue on collection on a credit card debt is four years in Georgia. So I feel that since it has been four years this debt should be deleted from their records and there should be no further collection efforts now and in the future.
Bud Hibbs has a. Pdf ebook regarding debt. It is free.
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