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creditdispair

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Debt too old to sue
I am receiving letters on an old debt offering settlement options. On the bottom of the letter is says the debt is too old to sue for. Is this still affecting my score? My understanding is that you owe the debt forever until paid but they just can't take you to court for it.

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Top Contributor
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If its to "Old to sue" for

then its probably to old for them to legally collect.  sounds like a last ditch effort to collect on an old debt. 

do not contact them in response to their letters.  Instead, Write a validation letter,  Google it for a template and more info on how they work.  

Send the letter asking to verify that they have the right to collect and all the proper legal paperwork, Chances are very good that it will diappear from your credit report and the letters will stop. 

Good luck 

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