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Question By
BASEBALLGOD707

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Why do collection companys still send me bills for somethn thats been off my credit for over 2 years

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Top Contributor
209 Contributions
88 People Helped

...because they can?

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If it's been off the reports for two years, it may also be beyond the statute of limitations for debt collection (depending on which state you live in - check).

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If it's beyond the statute of limitations for your state, and so old that it's no longer on your credit reports, you can then happily ignore them until they go away. If they get too bothersome, contact them, do not admit to any liability at all, but invoke the Fair Debt Collections Act, then inform them that they are not to contact you any longer by any means. Anything they do after that to bug/harrass you will open them to a lawsuit by you, and possible legal penalties from the federal government. Be sure to record the contact (call, certified mail, etc) and keep a copy of that recording for your records. 99.9% of collection agencies will shut up and go away after that.

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Collection agencies often rely on their target's ignorance and fear to get what they want. If you know the law and know you're in the clear, they no longer have any power over you, and you can turn the tables on them.

Top Contributor
1884 Contributions
3671 People Helped

Not to uncommon

for collection agencies to keep trying to collect.  Send a " Validation Letter"  Google it for a template and more info.  IT will require them to provide proof that they have the legal right to collect, if they can't prove it, they have to remove it and stop harrasing you.

Good luck

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