I filed bankruptcy back in 1998 and shortly thereafter received a credit card. In an attempt to ameliorate my credit rating, I took advantage of this credit card offer. A couple of months after accepting the card, I filed complaints with the company about the charges they were placing on the card (without my knowledge). It became quite ugly and I stopped payment on the card.
Seven years later, I purchased a vehicle with a ridiculous interest rate. I knew that I had the bankruptcy and thought that was why I had a high interest rate on this car loan. I pulled my credit history and MCM had pulled this zombie debt and reported three times on my credit history: as a delinquent cc, as a medical collection account, and as a collection account.
Since then I've been working with a company that is disputing all of the negative charges on my credit report. Now, MCM is calling me virtually every day demanding payment. The company working on my credit has already demanded 'debt validation' and MCM has not validated.
Can I send them a 'cease and desist' letter? Or should I get an attorney to fight this? I do know that debts have a seven year time limit but MCM posted the three fraudulent claims as new (2005). What should I do?