topic Re: Getting collection calls on an 8 year old collection in General Credit Topics

Getting collection calls on an 8 year old collection

Anonymous — Fri, 13 Nov 2009 20:10:14 GMT

I am currently getting calls from a collection agency for a medical debt for $30 from Dec 2001. I live in Georgia. I have no idea if this is even my debt. How can they continue to harrass me for an 8 year old debt?

Re: Getting collection calls on an 8 year old collection

Jazzzy — Fri, 13 Nov 2009 20:22:33 GMT

The debt doesn't end.

The credit reporting time might end, and the statute of limitation might end...but the debt is still owed.

Re: Getting collection calls on an 8 year old collection

Anonymous — Fri, 13 Nov 2009 20:25:52 GMT

So basically other than call there is nothing they can do. And they have spent more than $30 on calling me so it's actually pretty funny.

Re: Getting collection calls on an 8 year old collection

IOBA — Sat, 14 Nov 2009 19:35:23 GMT

When they call, tell them no more phone calls -- only talk through the mail.

If they actually send you something (and no, do NOT verify your address over the phone with them), then DV them. You should find out if the debt is really yours.

Re: Getting collection calls on an 8 year old collection

RobertEG — Sun, 15 Nov 2009 05:23:29 GMT

I would not DV, argue about SOL, or even talk to them. If they call, just hang up.

If the DOFD on the debt was back in 2001, that means they cannot post to your CR, and the SOL has expired.

Send them the following:

"You have contacted me regarding your collection activity on an alleged debt I owe (provide only basic info regarding the debt,the name of the OC, and dates, but dont make ANY mention of SOL, FCRA, FDCA, or any legal threats).

"I dispute this debt.

"This is formal notice to you under FDCPA 805(c) that I request you to immediately cease all communications with me regarding this alleged debt and/or your collection activities, including and telephonic, written, or electronic communications, including, but not restricted to, any email or internet communications, in any form.

"This notice request further extends, under FDCPA 805(b), to my request that you cease any such communications with any third party regarding the alleged debt, in any form.

"I will, of course accept under FDCPA 805(c)(1), one singular communication from you simply limited to informing me that you have terminated all collection activity. Barring that, any futher communication with me or any third party will be considered a clear, legal violation of the FDCPA.

"Sincerely, (name) "

Message Edited by RobertEG on 11-14-2009 09:09 PM

Message Edited by RobertEG on 11-14-2009 09:23 PM