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Midland Credit Management recently left a message for me to call back. I know this is for a credit card debt from several years back and according to a credit check that was performed while applying for a job I was told that I had no credit history, nothing good nor bad listed.

Now according to what I understand the Statute of Limitations for my state regarding credit card debt is 6 years. Also since there's no listing of the debt on my credit history can I assume that it's been at least 7 years since the incident in question?

I've read stories where people have paid off debts but are still harrassed by debt collectors on the paid off debt. What steps should I take to insure that if I pay the debt off that this sort of thing won't happen. Also are there any adverse affects that this can have?

Why bother paying it? Midland is a junk debt buyer...simply send them a cease and desist letter, telling them the debt is out of SOL and is timed barred.

Sub: #1 posted on Tue, 11/20/2012 - 19:46

Moderators Cum Industry Expert
(Posts: 17319 | Credits: )

You are correct with your assumptions but The SoL clock starts from the last day of account activity so if it has been 6+ years since, you can just send Midland a C&D letter stating that the debt is time barred.

Sub: #2 posted on Tue, 11/20/2012 - 19:53

Steve Barris Steve Barris

(Posts: 1045 | Credits: )

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