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 Report
Profile Image

Question By
Help555

1 Contribution
0 People Helped
Please advice on debit collector calls for a removed collection acct
Collection which is 6 yrs old is removed but debt collector calls abt same
Acct

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
991 Contributions
548 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

First, find out what's that account's Date Of First Delinquency, the 7 1/2 year reportable length is going by that date. Second, what is the Statute Of Limitations in your State or the State where the debt originally occurred? That's the the length of time the debt collector can sue you for that debt.

-

Once it's past the reportable date, it can't no longer be place on your credit reports. When the SOL is expired, they no longer have ability to sue you. That dosent mean the debt is discharged, it's still your debt and they can still try to collect from you, as long as they do it with-in the guidelines of the collection laws, however it also means the debt collectors don't have any recourses if you don't pay, they are more or less impotent in their attempts at that point. When you are sure it's beyond the SOL? you can simply ignore their calls, or if you like? Tell them "to contact you by mail only", give them absolutely nothing else, if they ask you for your address? Say, they should already have that on file and hang up. In some States like California for instance, by law the debt collectors have to tell you if the debt is past the SOL and the reportable date.

Top Contributor
5038 Contributions
1133 People Helped

If the calls are excessive or harassing, then you may find relief under the FDCPA. (fair debt collection practices act). Do some reading on that as you may be able to sue the debt collector.

1 Contribution
0 People Helped

Your response is much appreciated !

Results 1-3 of 3Results 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.