Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Paying Your Bills
Profile Image

Question By
MKadaminny

0 Contributions
0 People Helped
Debt collector Trying to collect 10 year old debt
A debt collector is sending me debt collection letter and calling me stating that I owe money. The account is more than 10 years old and even the state statute of limitation has passed. I was in financial difficulty at that time and so could not pay. My credit report does not show any negative accounts. Should I write to them and tell them its very old account? Can they put this account on my credit report? Need help.Thanks

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1136 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

Do some reading on how to writed a "Cease & Desist Letter". No, they cannot place this account back on your reports legally, if they do then you could dispute it. Do some reading on the FDCPA (fair debt collection practices act) so you know what they can't do. If they start harassing you, you may want to consult with a consumer law attorney that handles FDCPA cases.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.