Cold call on an old debt from 1999...

[Anonymous]

I got a call from a CA today for a CC that is from 1999 and I asked

him if he was able to do that on an account that was past the statutes of

limitations, he said it was still a collectable debt and I said I would get back to

him on that.

I live in AZ and it is a closed state were no one can send or call on debt from outside the

state so I was wondering what my next course of action should be..

seams he did 2 things wrong here...

[Anonymous]

If the debt is gone from your CR and SOL is up you're good to go ~ don't worry about it!

If the debt is older than the SOL in your state tell the CA that they are wasting their time and yours as the OC or CA can't take you to court for a judgement.

Here is the SOL in AZ

Oral Contact        3 years

Written Contract  6 years

Promissory          6 years

Open ended accts  3 years

State Statute 12.543

[Anonymous]

Thanks kim..

I believe the account is from California but I reside in AZ for the last 8+ years..

Arizona is a closed state to collections from outside the state so they are violating

something there...

It seams when you pay off debt they come after you from all over to get there share...

[Anonymous]

I'm not sure but I think you would go by the SOL in the state you currently reside.  Just in case it's SOL for CA they are 2/4/4/4

I know..I'm worried 'bout that too!  I'm so glad to have this forum and such knowledgeable, helpful folks to guide me through this credit mine field!!

If they are violating AZ state law I would check your Secretary of States website for further info on the FDCPA.

[Anonymous]

Correct me if I am wrong.. But I think a collection agency can still attempt to collect a debt after SOL.  I believe they can still call and send collection letters. They just can't sue you after SOL. Maybe I am wrong..

Message Edited by Pants on 07-17-2007 03:37 PM

[Anonymous]

I am new at this so I don't know the correct answers but I am told that living in AZ

a collector on a debt from outside the state cannot call or send letters to an individual into a closed state for collections.

Message Edited by Tmleverage on 07-17-2007 03:53 PM

[Anonymous]

---

@Anonymous wrote:

I got a call from a CA today for a CC that is from 1999 ...

---

What's the amount of the debt?

[Anonymous]

oops hit the key wrong

Message Edited by Tmleverage on 07-17-2007 04:18 PM

[Anonymous]

oops hit the key wrong

Message Edited by Tmleverage on 07-17-2007 04:17 PM

[Anonymous]

This amount is around 300.00 wich I will probably pay, I just have been getting

slightly mad because I have paid off over 14,000 - 15,000 in debt on around 40 accounts these

past 6 months and the CA'S are having no mercy on me....

My fault for ignoring old debt and letting it sit for a number of years but the light at the end of the tunnel is in the not so distant future..

I am a month away from being 100% debt free other than my small mortgage.