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SOL laws for overdrafted bank account

Submitted by on Tue, 10/16/2012 - 07:18
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I received a call a couple of days ago informing me that a civil suit was being brought against me for an overdrafted bank account in 2006. I had heard nothing about this debt until the phone call. When asked they said they purchased this debt on 9/21/12 and sent a letter to an address I've never lived at or been to. They sent it to my parents vacation home that they have only owned for 2 years. On top of that I received a phone call from my mom telling me that she gave them my phone number, because they told her about the civil suit. I've had the same phone number for over ten years. What exactly are the SOL laws concerning an overdrafted bank account?:confused: