Collection call out of the blue

[marathonmama24]

I got a collection call last night regarding a credit card that I had 13 years ago. The account was closed and written as a charge off, and fell off my credit reports long ago. I didn't answer the call. While I am fully aware that they can sue me if they choose to, what should I do from here? Should I go on about my day as though they never called? Should I answer when/if they call back, tell them it's past the statue of limitations to collect, and go suck an egg? Or should I try to negotiate a settlement?

[myjourney]

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@marathonmama24 wrote:

I got a collection call last night regarding a credit card that I had 13 years ago. The account was closed and written as a charge off, and fell off my credit reports long ago. I didn't answer the call. While I am fully aware that they can sue me if they choose to, what should I do from here? Should I go on about my day as though they never called? Should I answer when/if they call back, tell them it's past the statue of limitations to collect, and go suck an egg? Or should I try to negotiate a settlement?

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13 years ago? Lol I don't know of any state that will allow them to sue ....Idle threats 

You are completely out of SOL

[marathonmama24]

So I should just ignore them then?

[seruby]

Absolutely ignore it.   They can't report since it's past 7.5 years, they can't sue since it's past whatever the SOL in your state it.    They're just hoping they call someone who caves and pays them...but that someone won't be you.

[Anonymous]

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@seruby wrote:

Absolutely ignore it.   They can't report since it's past 7.5 years, they can't sue since it's past whatever the SOL in your state it.    They're just hoping they call someone who caves and pays them...but that someone won't be you.

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+1....they cant sue you... just ignore the calls  or block them

[myjourney]

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@marathonmama24 wrote:

So I should just ignore them then?

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While Lol on the phone for kicks if you like for the aggrevation of calling you with that BS 

[Whitneyy]

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@seruby wrote:

Absolutely ignore it.   They can't report since it's past 7.5 years, they can't sue since it's past whatever the SOL in your state it.    They're just hoping they call someone who caves and pays them...but that someone won't be you.

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+1.

Send them a cease and desist letter.