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prettyinpink117

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Collections notice for something no longer on credit report?
If the statute of limitations in Ohio is 6 years and debts will fall of your report after 7 years... is it safe to assume that a collection noticed received for something that is no longer on my credit report is past the statute of limitations?

This is a credit card debt and I honestly cannot remember when the account became delinquent. If I need to do more research, can I contact the previous credit card company for that information?

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It is probably safe to say that. If the account was still within the 7 year credit reporting time period you would probably see it on your reports. It is typical for collection companies to try to collect on very old debt and that is probably what is going on here. Do some reading on how to write a "Cease and Desist" letter to this collection company. Do some reading on the FDCPA (fair debt collection practices act) so you know what this company is not allowed to do. Many debt collectors violate the FDCPA all the time and you should be armed with the knowledge of what they cannot do so your rights are not violated. In the meantime, do not admit to the debt to the company or say anything to them, if the call you and want information or want to talk about the matter, tell them to send you something in the mail and hang up.

Reply by
prettyinpink117

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Thank you so much for your very helpful reply!

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