scumbag company trying to collect debt
The debt is valid until it is paid, that being said. No they
The debt is valid until it is paid, that being said.
No they cannot report it to the Reporting Agencies because
it is beyond the reporting statutes.
If they report it challenge the it based on being too old to report. You will have to prove the time frame expired by showing the Date of Last activity was beyond 7.5 years or more ago.
They might be barred from suing if the Statute of Limitation has expired. Depending on the state you live in and the type of debt it is will determine the SOL.
If it is outside the SOL and you choose not to deal with this matter you can send them a complete Cease and Desist letter stating that the debt is beyond any legal remedies for them and you do not want to be contacted.