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As we all get our W2s and start to prepare for our annual income tax refunds, the phone calls and letter start.
Yep its the ZOMBIE DEBT.
Its 17 years old in a state with a 6 Year SOL, yet they hope that by calling you every day for a week they can get you to pay it off, or pay something and re-open the debt.
I wish Zombie Debt was as easy to stop as it is in the movies, on TV its always just a headshot and done.
It is easy to stop. Just send them a notice under FDCPA 805(c) that they are to cease all communication with you.
That is a statutory prohibition of any further communication with you.