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Member
tlc78
Posts: 9
Registered: ‎06-09-2007
0

quick question

I have a collection from 1997. The collection agency keeps calling me to try to get me to pay.  It is off my credit report but how do I get the collection agency to stop calling?
 
Thank you.
Valued Contributor
Boswd
Posts: 1,065
Registered: ‎04-26-2007
0

Re: quick question

send them a cease and desist letter, stating the debt is time barred.
Valued Contributor
Boswd
Posts: 1,065
Registered: ‎04-26-2007
0

Re: quick question

it is time barred right?   When was the last time you paid anything on this debt?   Also what is the SOL in your state?
Member
tlc78
Posts: 9
Registered: ‎06-09-2007
0

Re: quick question

I have never paid it.  I know thats bad but oh well. The statute of limitations is 5 yrs in IL I think.
Frequent Contributor
nikkoslilmouse
Posts: 259
Registered: ‎03-13-2007
0

Re: quick question

Credit cards are generally considered Open Accounts. Auto loans and other installment agreements are Written Contracts. If there has already been a lawsuit resulting in a judgment, that judgment has a separate Statute Of Limitations, which you can find here.

 and Ilinoise is 5yrs for Credit Cards

Member
tlc78
Posts: 9
Registered: ‎06-09-2007
0

Re: quick question

It was for a cell phone.  And it was only at a collection agency never anywhere else.
Frequent Contributor
nikkoslilmouse
Posts: 259
Registered: ‎03-13-2007
0

Re: quick question

I believe Cell phones are a Writen Contract and that is 10yrs in your state.
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: quick question



tlc78 wrote:
It was for a cell phone.  And it was only at a collection agency never anywhere else.



Shut off your land line or hook up a fax machine to it!:smileytongue:
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1


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