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Hebrew247

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Removed Credit Accounts
I have several accounts removed from my credit report. Does this mean I do not owe them anymore and am I clear of the charges? And what if some of the companies keep harassing you about the bill via phone calls/email? what do I tell them?

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No it dose not automatically relief your responsibilities to that debt. Debt can only be discharged by, you pay it, forgiven or thru bankruptcy. Theoretically they can still contact you for any unpaid debt 30 years from now, provided its done with-in guidelines of FDCPA and your State's collection laws.

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Credit report isn't a legal instrument, Credit Reporting Agencies certainly are not a legal arbitrators of your debt, they can only decide if a entry can or can't be included on your report with-in the guidelines set-forth in FCPA.

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Your "legal" responsibilities for a debt are usually determined by Statue Of Limitations in your State or State where the debt/services occurred. Depends on the State and type of debt, the SOL can be as short as two years or can be as long as 15 years. The starting date for SOL is bit murky as well, it doesn't always go by the Date Of First Delinquency like for charge-off/collections, it might go by when creditor send you a "notice of default" demanding payment in full, at times that can be 6 months or more after the DOFD. When a debt is past the SOL? to pay it or not will be entirely up to you, they can not sue you, worst they can do is put it on your credit report, and that usually lasts 7 years. 

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However, Do keep in mind that some collection agencies are known to sue people long after the debt is past SOL, they are counting on debtor won't show up, either are afraid to or doesn't know better, they end up with a default judgement against you. Judgement might be enforced for up to 10 years and it can be renewed. Unpaid tax liens and some types of student loans might remains collectible forever until it's paid. That's more of reasons you can't relying solely on what's in your credit report to determine your responsibilities to that debt.

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