Collection Harassment on 1993 DEBT! SCAM?

Date: Thu, 11/16/2006 - 20:42

Submitted by markwill
on Thu, 11/16/2006 - 20:42

Posts: 4 Credits: [Donate]

Total Replies: 2

MRS associates; Continued Harrassing calls to me & my EMPLOYER regarding 1993 charged off debt! My credit is great now but somehow that debt is back on Esperian. MRS says I made a payment which started clock over. I NEVER DID OR WOULD make payment on 1993 charged off debt!
Scam?
Original creditor says they charged off in 1993 and stopped reporting. I disputed on Esperian.
How can this happen?
How do I stop them?

First, unless your state has freakishly long statutes of limitat

First, unless your state has freakishly long statutes of limitations, you can't be sued on this debt. However, just because they can't sue doesn't mean you no longer own the debt. However, that doesn't mean they can harass you, just like in any other case. Tell them not to call you at work, and follow it up with a letter. If they do it again, call an attorney.

As for the reporting, I'm not exactly sure how that works, but it sounds fishy. Challenege it, and if you do talk to an attorney, ask about possible FCRA (Fair Credit Reporting Act) claims, as well.

lrhall41

Submitted by Sam Glover on Thu, 11/16/2006 - 20:49

( Posts: 161 | Credits: )

Thanks Sam. I live in CA so I believe it's 7 years SOL. Not ev

Thanks Sam.
I live in CA so I believe it's 7 years SOL. Not even close... 13 years! I am MOST interested in HOW an alleged payment which was never made got reported to the CRA which triggered it back on my file.

lrhall41

Submitted by markwill on Thu, 11/16/2006 - 21:39

( Posts: 4 | Credits: )