So, I was checking the house phone's messaging system and there was a call for the hubby from a collection company.
I called them back... You know, with us trying to buy a house in 2010, we cannot ignore any calls or letters requesting money. To be on the safe side.
So, she explained that it was for an old cell phone bill, when she said the name... the first thing out of my mouth was "There is a statue of limitations." She said, "Yes there is - but only for suing. We don't want to sue you, we just want the money."
It's from 2000. It was $250. It is now $825.36. I've never seen it on my credit report, they can't sue... Not sure how to handle this one. I think first send back a letter requesting proof I owe it and proof that they own the debt. We've paid a lot of collection accounts over the past 9 years, this one could have been paid. I was shocked to even hear them say the name.
Your thoughts?!
TIA!
Have Question...Need Help
October 9th, 2009 at 10:14 pm
October 9th, 2009 at 10:44 pm 1255124671
What can they really do, besides badger you?
Beyond that, not my area. Good Luck!
P.S. SOL is on collections. Good info in article below.
http://credit.about.com/od/debtcollection/a/soflimitations.h...
October 10th, 2009 at 01:51 am 1255135896
October 10th, 2009 at 04:50 am 1255146600
Of course, that might or might not be the case with this nearly 10 year old (!) debt. If I were even thinking of paying it off to clear it up, I would try to bargain them back down to the original or even half that amount.
October 11th, 2009 at 12:32 pm 1255260744
October 25th, 2009 at 01:11 am 1256429490
Best to ignore if it's old and not on your credit report. We had one acct. years ago, they called like twice and sent a letter, I didn't do anything and nothing came of it.
Good luck!