I have a junk collector on my tail that will not go away and I need your advice. This is from a debt from 1998.--Yes 1998! LOL..Well, they claim that I entered into a payment agreement in 2003 and they have not heard from me since. I have no idea how these people even got my home telephone number and have not mailed anything to my home address. I recently purchased a house 2months ago. I asked what address she had on file and she has some address where I have not lived in 10 years. Anyway, I advised the collector that this was not my debt and that I wanted no more calls from their company. However, she stated that I needed to provide something in writing to stop the calls. ( I know that this maybe a BIG no, no) The statue of limitations expired on the debt in 2007 because the state the alleged debt occurred in is PA ( 4 year statute). I live in NJ now and the Statue for NJ is 6 years from the last date of acknowledgement. Also--this debt has never been placed on my credit report. Can they report a 10 year debt now especially a debt that is past the statue of limitations?
Well, I need your feedback:
1- Can these people sue me for the debt?
2- What is the exact statute of limitations? I lived in PA when the alleged debt occurred and now reside in NJ.
3- Is it true that the Statute of limitations starts all over just by answering the phone even though you advised the collector that this is not your debt?
4-What steps do I need to take to make these people go away?