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 Credit Cards
Profile Image

Question By
acoya5328

0 Contributions
0 People Helped
Debt past 7 years.
Another collection agency bought the debt in 2012 and is continuing to harrass me.

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
1132 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

If the debt is older than 7 years and it is still showing on your reports, then you may wish to dispute it as "too old to report". You also want to check your state's statute of limitations to be sued by a debt collector to see if the debt is still within the time frame for you to be sued for it. If the debt is outside the SOL and you cannot be sued for it, then send the debt collector a "cease and desist letter" telling them to no longer contact you about the debt. If the debt collector is harassing you, then you may want to consult with a consumer law attorney and consider suing them. Do some reading on the FDCPA (fair debt collection practices act) and see if they are violating any part of it and if they are, get a lawyer and sue them.

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.