almost 18 year old debt

Ok Danis, no they can NOT legally re-age this debt... i have just posted on this in 2 other threads. (must be the day for CA's reaging accts) I would send them a debt validation letter and also a cease and desist letter....
All return recipet requested.
Here is the topic of re-aging.
http://www.debtconsolidationcare.com/settlement/about38373.html
Also, if u didn't pay this debt they can collect and they can sue but, and a big but here, ud have to use SOL as ur defense!!
Good luck and hope this helps u,
Ang

thank you for your quick response.i understand and read your other post.but can they keep selling it and put back on your credit report.also which to letters should i send them verication and cease.just checking and again ty

Unpaid debt should fall off of your credit report after 7 years. It doesn't stop being a debt until it is satisfied. It's out of the SOL so they can't sue you for it but they can continue to sell it over and over again.

Here is a copy of the dv letter: http://www.debtconsolidationcare.com/forums/about216.html
Just change the wording to meet ur needs and here's the cease letter:
budhibbs.com/ceaseletter.htm
I would jsut put these 2 together in one envelope and send it return reciept requested.
Also at the bottom of the cease letter he has a mini miranda about making a debt collector follow the law... it's just a snarky comment to them so u can leave it out if u choose to do so!
Good luck and if u have any more questions plz feel free to ask,
Ang

thank you both for info.

You're very welcome dan!
Just to let u know, i JUST realize ur id is Dan is still the man! :lol:
Ok ok so i'm a little slow at some things!
:D
Ang

yes my name is don,but i was and i am still a dan marino fan.hence the dan is still the man.

If they try to file that with a consumer reporting agency knowing that it's that old I would sue them. It makes me sick what junk debt buyers try to get away with.

yeh i told a guy there those exact words about putting it on my report.he told me i was paying it and he was putting on my credit report.i then after calming down came on this site for some great info.thank you all again

UM eighteen years old!! I would send a full cease and desist and tell them to pound sand. If they are ignorant enough to put on credit report,sue them for anything you can get and make sure it goes all the way to trial.

I might be wrong here but ssomeone stated this very old debt doesnt stop until it is satisfied I think it is over after sol is up yes or no

When sol for civil action and reporting have ended,it takes away a lot of options for a collector.A valid debt is still a debt until paid unless it is discharged in bankruptcy or you live in a state where state law would extinguish a debt after sol running.