a 15 year old debt... can they really do this?
Date: Sun, 12/25/2011 - 14:10
Hello and thank you for this page!! Also, I would like to thank you in advance for ANY assistance or advice you can provide me. I live in FL, and ran into some financial problems in my last semester of college. I had quite a few charge-offs on my credit report and had AWFUL credit for years. I paid some, and some I didn't. NOW, I WORK DILIGENTLY to maintain my good credit. So, here is my issue- I recently began getting calls from Palisades Collection Agency for an old ATT Wireless debt. I was an employee there and had an outstanding bill. I left the company and came back one final time to pay my bill- which I did in cash, to a lower-level supervisor. Well, I THINK she probably pocketed the money- but my bill was never marked paid. Soo, I am DEFINITELY not going to pay them TWICE. :mad: From what I understand, debt in FL has a statute of limitations of 5 years, although it can remain on one's credit report for 7.5 years. So, this should not even be an issue, BUT I got fed up with them calling and two days ago, they called and I answered the phone (BIG mistake- I know now) and told them that this was ridiculously long ago, outside the SOL and that I DID pay it and they could "climb a tree". Umm, MISTAKE!!! I received a notice today from my credit monitoring service that Palisades Collection "accessed" my credit report, making an "inquiry" 2 days ago.
HOW can I get them to leave me alone? And how can I get that removed from my credit report? This was from 1998 - and falls WELL outside the time frame (5 years in FL) as I understand it (and a MAX of 7.5 on my credit report). Can they ACTUALLY come back after all these years and put an old debt BACK on my credit report?
What actions do I have to get them 1) to leave me alone and 2) to remove that notification from my credit report..?? :confused:
DO I have to pay it...? It is almost 15 years later...? :-x
Thank you for any and all GOOD advice ;-)
HOW can I get them to leave me alone? And how can I get that removed from my credit report? This was from 1998 - and falls WELL outside the time frame (5 years in FL) as I understand it (and a MAX of 7.5 on my credit report). Can they ACTUALLY come back after all these years and put an old debt BACK on my credit report?
What actions do I have to get them 1) to leave me alone and 2) to remove that notification from my credit report..?? :confused:
DO I have to pay it...? It is almost 15 years later...? :-x
Thank you for any and all GOOD advice ;-)
Technically you still owe the debt, so they can pull a credit re
Technically you still owe the debt, so they can pull a credit report. However they cannot report it. Send them an FOAD letter, telling them to bug off, that the debt is time barred and to never contact you by any means again.
