Posts: 14,062
Registered: ‎04-15-2011
Re: ugh!

Break down of what is being said up above.  Yes, it's a Zombie debt.  They can't sue you, they can't report it to the CRAs.  It will not appear on your credit.


All they can do is ask you to pay.  That's it.


My best advice?  You may not like it.  Send a settlement offer for like $40 or so.  To make the debt go away.  Otherwise it just gets thrown from bottom feeder to bottom feeder. 


Other than that, you can just send a cease and desist like Robert said.  They can't contact you, but they can sell it to another CA.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!