Radius Global Solutions LLC-Phone Call About AT&T Bill from 2010

[CGame]

Afternoon everyone! I just got a phone call from Radius Global Solutions LLC about an AT&T bill from 2010! Presently my scores are:

EX: 715

EQ: 702

TU: 697

Maybe I'm wrong, but wouldn't this be a debt past the SOL? They said they sent a letter in November 2022, but I don't remember it. Any advice is helpful. 

[ForwardLooking]

The debt really never goes away until paid.  If the debt has not been paid / settled or discharged, then they can continue to try and collect on the debt.  The SOL is just a legal defense you can use in a court if they try to sue you (which is unlikely because they know this too).  I ran into this some years ago and stopped it by sending a Cease and Desist letter via certified mail.  If they contact you after this, you can sue them for violation of the FDCPA.

[CGame]

Thanks for the reply @ForwardLooking 

So, can they put this on my report NOW? That would crumble my new decent scores to shreds! I finally have zero collections after all this hard work!

[ForwardLooking]

They cannot put anything on your report older than 7 years from the date of the deliquency.  If your bill has been unpaid since 2010 and you have not done anything since on that account, they should not be able to report it.  Be careful though when talking to them.  Don't talk about the debt specifically and simply keep insisting they Cease and Desist all communications with you.  Some state laws allow them to restart the clock on the debt if they trick you into admiting it is your debt and set up a payment plan or something.  Texas (where I live) specifically bans this practice, but other states allow it.

The other option is if you somehow feel quilty or compelled to pay, you can probably just settle with them.  Just do it all at once, and avoid a payment plan as that can reset the clock.

[CGame]

Thanks for the information. I am in Texas as well, so thats good to know. The weird part is I don't even remember what this is about.

[ForwardLooking]

---

@CGame wrote:

Thanks for the information. I am in Texas as well, so thats good to know. The weird part is I don't even remember what this is about.

---

Thats part of why I think there is a 7 year limit and SOL laws.  The longer time drags on, the less people remember accuratly and facts become vague.

Good to meet a fellow Texan here!  Good luck to you on this.

[CGame]

Same here Texan! 

So, are there any sample Cease & Desist letters on here? I searched and couldn't find a good example. I am definitely not paying that. 

[ForwardLooking]

I don't know of one on here specifically.  Perhaps someone else here does.  I had basic legal advisory services with my employer and they gave me a template to use.

[CGame]

Ah ok. Got it. Thanks for your help!

[bass_playr]

This is an example of what I typically send as a cease and desist letter.  Feel free to copy it and use it as much as you like.

"debt collector name

their address

date 

RE:  whatever account info they gave you

To Whom it May Concern:

I have received your phone call on (date) regarding the above noted alleged account.  This letter shall serve notice to you that you are to immediately cease all communication with me concerning this matter.  As I do not recognize any such account, and also since it is well outside all applicable statutes of limitation, I will not be paying you anything.

Should you refuse to honor the requirements of federal law upon receipt of this cease communication order, I will be forced to take further action, including legal action should the need arise, to protect my rights.  Thank you for your time.

Cordially, 

your name"

That's all you need.  Simple, to the point, and that last line lets them know they are dealing with someone who is aware of their rights under the law.  I would send it certified mail, return receipt requested, so that you will be able to prove they received it.  Normally, when a CA gets this letter, they will either leave you alone, or they will communicate with you one final time to inform you of their intent.  That last communication is allowed by law--as long as it is not a collection attempt.  These zombie debt collectors tend to run the other way on this because they know their chances of getting paid are slim and none...and Slim just left town.