The statute of limitations is an affirmative defense. If Cavalry were to bring an action against you, you could defend yourself asserting that the SOL has expired. Never ignore a court action, even if you think it is bogus, or you have a defense. If you are not there to present your defense, it will not be taken into account.
Also, you should not ignore this notice. If, in fact, the agreement/debt is beyond the statute of limitations, you may be able to get this resolved without court action.
I hope this helps.
Steven A. Leahy
Please note that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is intended to be created hereby. You should contact a local attorney to discuss and to obtain legal advice.
The account numbers often don't match. Could be numbers assigned internally by the collection agency, or the bank changed owners, or whatever. The SOL is 4 years from the last activity, so if you are sued you can defend and raise that issue. Meanwhile, don't ignore the letter. Write back saying that you don't think it is your bill as the account number is not familiar to you, yadayada. Bounce the ball back over the net, to their side. You might find that for the cost of one stamp, it all goes away. And yes, living on disability there is not much that they can get from you anyway.
This is general legal information, not intended to apply to your specific case. And I may not be licensed to practice in your particular state. Under Federal Law, I am a debt relief agent.
Send a written letter stating that you dispute the claim, both the fact that it is not your account and the amount of the claim. You should do this within 30 days. You can send this by mail or by fax. Keep proof of the fax transmission. You should also tell them not to call you.
Anyone with a filing fee can file a lawsuit. That costs them about $500. out-of-their pocket. Money creditors do not file lawsuits unless they think they can collect something If you are served, the Statute of Limitations is an affirmative defense, so you must file an Answer. You will be able to get the filing fee waived if you apply.