Wow-major debt surprise

[themeggerz]

"Otherwise everyone would charge their cards and not pay, according to her.   "

Well, yeah. Sure, and screw up their credit for 7.5 years.

Sounds like scare tactics to me.  I would send the CA a cease and desist letter, and make sure you state in it that you're aware it's past the SOL for both credit reporting and enforceable judgement.  And save the letter as a word doc, so when the "next" one comes, you just reprint it.

[pizzadude]

People answering the phones at collection agencies are usually misinformed about credit topics even more than most CSRs. Or they are being deceptive and/or trying to scare you. Basically they will tell you anything to get you to send them money, including nonsense like what you were told about there being no SOL.

Send them a C&D letter, and save a copy as suggested if another CA pops up.

[MarineVietVet]

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@Anonymous wrote:

I am being contacted by a collection agency that is based in Nevada, where I lived when the original debt had gone unpaid.  When I mentioned the SOL the women told me it only applies to how long they can put something like that on your credit report.  Otherwise everyone would charge their cards and not pay, according to her.   

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The rep is either poorly trained or outright lied to you. Since this is a CA my initial advice still applies. They cannot sue you or report this. Send them a Cease and Desist letter.

[Anonymous]

Thank you everyone for being so helpful.  I'm a little concerned now that I verbally reaffirmed the debt cause I am not really confident I understand totally what that means.  I spoke with the woman about it being my debt but did not agree to pay anything.  However she outright lied to me about the statues of limitations so I really don't think there would be a legal case if they tried to sue me for this 11K.  I'm still blown away by this whole situation.  I cannot believe the CA tries to suck people out of 9K

[FrugalRican]

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@Anonymous wrote:

 I cannot believe the CA tries to suck people out of 9K

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And there's a LOT of people that'll pay up too without knowing the laws regarding zombie debts.

[pizzadude]

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@FrugalRican wrote:

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@Anonymous wrote:

 I cannot believe the CA tries to suck people out of 9K

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And there's a LOT of people that'll pay up too without knowing the laws regarding zombie debts.

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It happens ALLLLL the time.   And I don't think it is likely that you reaffirmed anything on the phone, usually you would have to put something in writing or make a payment ~ it varies by state.    Once you send them a C&D letter and they realize that you are an informed consumer they'll just pack up and move on to the next person.