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Question By
blueskiesandcoralsands

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I have a debt collector calling me on a debt that shows closed in your system
Is this a scam? They are calling claiming to be with a law firm attempting to collect my Kay jeweler's debt that shows closed as delinquent. Is this a scammer or could this be legitament?

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Closed just means that Kay's got tired of trying unsuccessfully to get payments on this account so prevented further charges by closing the account.  But you still owe the balance due and any interest that has accrued.

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As said, just because the account is closed doesn't mean that you are off the hook for it. Look up the "statute of limitations" in your state to be sued on this debt. Read up on the FDCPA (fair debt collection practices act) as the debt collector may be violating it. If so, contact a FDCPA attorney for help.

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