I have been receiving phone calls which are on my answering machine that are obvious bill collectors. On one call I answered and told the lady that this bill she was speaking of had to be over 12 years old. On November 27, 2009 I received a letter from Portfolio Recovery Associates stating that they have concluded their investigation and is closing my account.
Now tonight I get a form letter from Alliance One regarding another old debt. I am thinking this one also is over 10 years because about that time I was working on repairing my credit and since have had a good credit history.
The letter from Alliance One states that I have 30 days to either pay or dispute it looks like the same amount as the one from Portfolio within a few hundred but I am not sure these are one in the same. I do not know what the time limits are in Texas or how to find them or what exactly they are called.
However they are saying I must either make payment (which I am not going to do) or write them and tell them why I feel the bill is not valid.
Can someone tell me how to handle? Or how you would handle in this situation?
