Consumer complaint received 2024-06-17
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: GLOBAL SOLUTION BIZ LLC. (TX)

Hi CFPB, I am writing to bring to your attention the unlawful practices of Global Solutions XXXX regarding an outdated business debt. Recently, I received a text from this company stating that the account in question would be sent to their lawyers if I did not respond. Upon calling them, I discovered that the debt dates back XXXX years and pertains to a business debt for which I was a personal guarantor. 

Despite numerous emails exchanged with XXXX XXXX from Global Solutions XXXX, where I clearly stated that the statute of limitations on this debt had expired, my claims were ignored. XXXX XXXX insisted that I had XXXX opportunity to pay the debt or face litigation, with their company lawyer, XXXX XXXX, included in the correspondence. When I reiterated that the statute of limitations had expired and no legal paperwork had been filed, XXXX XXXX responded dismissively, emphasizing that my personal guarantor status rendered the business 's current status irrelevant. 

They falsely claimed that my business, XXXX XXXX XXXX XXXX, had a transaction as recent as XXXX, thereby asserting the debt was still valid. I repeatedly clarified that this was untrue, but my objections were met with deaf ears. XXXX XXXX then asserted that as a commercial debt, the FDCPA did not apply. I responded by highlighting the expiration of the statute of limitations and the lack of timely legal action on their part. 

XXXX XXXX further added, " I've been in Lien enforcement for 6 years now, I don't believe you have done your research on Charged Off debts. However, if that's what you believe, then what are you trying to convince me for? Unless you're wishing to take care of this to protect your assets and social from being flagged by this, then let 's work something out. Otherwise, you may prepare for litigation. '' I believe Global Solutions XXXX is using illegal methods to intimidate and coerce consumers into paying outdated debts by falsely threatening litigation and using unverified claims. A simple XXXX search reveals that this company has a history of employing such fraudulent tactics. 

I urge the CFPB to investigate Global Solutions XXXX 's trade practices and their use of intimidation and deceitful tactics. I request that they cease harassing me and close my file. If this harassment continues, I am prepared to take legal action against them. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Please find attached the relevant statutes of limitations for business and commercial debt from both the federal government and the state of Nevada. 
Federal Statutes of Limitations for Business and Commercial Debt : According to the Fair Debt Collection Practices Act ( FDCPA ), while business debts are not covered, the federal statute of limitations for most business-related debts is typically 6 years, as stated in 28 U.S.C. 2415. 
Nevada Statutes of Limitations for Business and Commercial Debt : Under Nevada law, the statute of limitations for written contracts, including business and commercial debt, is XXXX years, as outlined in XXXX XXXX ( XXXX ) ( b ).