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Clk000

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creditor bought old account from 10 years ago, i told them to stop calling me

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Communication with debt collectors should be in writting. If you send them a letter requesting they only contact you via mail then thats the they they are suppose to contact you. I'd also look into the statue of limitations in your state to see how the laws are in that state for that type of credit. The type of credit plays a role in the way collectors operate. If the statue of limitations is up then a cease and desist should be sent explaining this is a ghost debt thats over the statue of limitations. Good luck!

Top Contributor
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In addition the advice already given, do some reading on FDCPA (fair debt collection practices act) so you know what they are not allowed to do. Many collection companies violate the FDCPA all the time but few people know it. If they violate the FDCPA, you can turn the tables on them very quickly.

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