I am sorry more people don't challenge these collectors more fully and more often. Do NOT pay a debt simply on a telephone call. The average time and statute of limitations is 3 to 5 years. After that time, they *CANNOT* force you to pay. It will remain as a mark on your credit file for around 7 years after which time it will drop off your file. If you ARE a debtor, you STILL have rights under the Federal Debt Collection Act. It, however, does not mean that you DON'T owe a debt that is presented in a timely manner, and it doesn't mean that you can "get out" of a debt just because you refer the matter to the authorities. These people "buy" old debts and attempt to collect with threats, bullying, and intimidation. If they can scare you into paying it, it is all profit for them. They will even go after people who have NO such debts and attempt to bully them into paying a debt they never even made! They will find similar names in other towns and run their mouths at you (because they are cowards and hide behind a telephone receiver) and try to get people to pay debts they don't even remember making!!! Some of their minions will even come here and make disparaging comments towards posters. There are some scummy collectors that will go after the elderly (scam) and try to make them pay a debt they never made (hospital bills, phone. Many people don't know that there's a statute of limitations or that a debt will drop off a credit file after a period of time. They prey upon old people, and these are the scummiest lowlives of all that would do that!!!! People simply don't remember such a bill and sometimes pay anyway after being frightened out of their wits by these a-holes. Sorry boys..........this burly old railroad man don't intimidate!!!!

SO! NEVER JUST PAY A BILL SIMPLY BECAUSE SOMEONE CALLS YOU ON THE PHONE! How do you know it is legit? They MUST present you with a written bill of charges stating the debt, goods, or services that you "bought". They CANNOT threaten you with legal action without it. They might TRY to bluff (their whole thing IS bluff and fluff) but if you refute the charges, they can't force you to pay it. IF the debt IS legitimate and within the SOL, you still have rights. Do NOT reveal your personal information under any circumstance. NEVER give them your SSN! How do you KNOW that this IS a legit collection agency; it could be ANYBODY!!! *I could just invent a name, call you up and claim you owe a bill, get your info and STEAL your ID and your money.
I am one of the people they tried to collect from who HAD no outstanding debts, ZIP, NONE, NADA-----just a similar name in a different city. Still they tried to come after me about a bill I never made, a city in which I have NEVER lived!!!!
I wish you the best of luck, and if this debt is the result of a trick, I hope you can haul this b*****d into court and get him put in prison!!!! He's had plenty of legal cases placed against him, at least one of which he settled before it got to court! What does THAT tell you?