Re: debt collector calls - debt is 10 years old - WTF?
Heres some advice from someone actually in the business..
..A $27 delinquency dont mean [censored]....and paying it can bring it back up as a paid negative score, and not only legally will they not be able to do anything because it is outside the statue of limitations, but this company is not gonna spend the time to attempt to collect it, unless they are [censored] retarded....as the juice isnt worth the squeeze...
....verbally tell them to stop calling and if worse comes to worse and you really dont wanna handle the calls if they keep on calling you send them a "cease and desist" letter...which by law means they can no longer call you but can send letters to you etc....
...if you need to find a copy of a cease and desist letter...google "Bud Hibbs" he runs a site that does nothing but try and [censored] collection agencys regardless of if they follow the law or not, I think a bill collector [censored] in his wheaties or something....
....and if you are worried about identity theft send a money order, but realisticaly most collection agencys are not gonna rip you off....its not worth it to them to take a couple hundred bucks when in most cases they collect hundreds of thousandrs or millions of dollars a month...
..any other collection questions feel free to PM me
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