7 year debt human being call upon by Collections Agency? I unfortunately had a debt move about to CA in May of

I unfortunately had a debt move about to CA in May of 2001. I disputed it in 2002 (amounts inspired creditor had and CA had be vastly different) and it was removed/deleted from my credit report after no validation. On Monday I received a call from a Collections agency concerning this 6 year 11 month issue. I understand this may be a valid debt but it has not be on my report for years and it's right at the 7 year mark. I have a 700+ ranking as this is only one of two bumps I had during that rough time. Should this be of any concern at this point? Is in that anything I can do to cease the calls and what are the likelihood this CA could repost this to my report?

Answers: First off, check to see if this debt is beyond your states SOL, states vary and you did not mention what state you reside surrounded by. use this link:

http://www.fair-debt-collection.com/SOL-...

If the debt is time barred (beyond your statesSOL) convey them the following letter (you fill within the blanks) certified/return receipt.

Today's Date
Your Name
Your Address
Collector's Name
Collector's Address
RE: [insert account number or pet name of account or name of debt]:
Dear [insert collector's given name or company name],
This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone appointment on xx-xx-2005], concerning the collection of the above referenced [account or date].
I do not believe I owe what you say I owe therefore I dispute this debt. I am ably aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to free both of us a great deal of time by letting you know that not only do I dispute the rightfulness of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforce this type of debt through the courts in (insert your state or the state in which the contract be signed) has expired. Therefore, should you decide to pursue this thing in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
This note is your formal notification that I consider this matter closed and demand that you, or anyone affiliated beside your company, stop contacting me regarding this or any other matter except to recommend me that your debt collection efforts are being terminated or that you or the creditor are taking specific schedule allowed by the FDCPA or my state laws.
Be advised that I consider any contact not within accordance with the Fair Debt Collection Practices Act a serious violation of the canon and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if required, take whatever official action is necessary to protect myself. Be advise that I tape record adjectives phone calls and violations of the FDCPA can result surrounded by you or your company being personally fined up to $1,000 per incident.

(Sign above name)
Printed Name

This debt should drop bad your credit report pretty soon anyways. If the CA redated the debt, then advise them that they violated the FDCPA below RE-DATING OF THE DEBT IN VIOLATION OF
[CITE: 15USC1681s-2] �� 623. Responsibilities of furnishers of information to consumer reporting agencies

I am sure once they recieve the letter, they will stop bothering you because you have informed them that you are aware of your legitimate rights. This scares them!

Hope this answers your question.
LEGAL DISCLAIMER: The guidance contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice. I agree with the first two relatives about ignoring the collections agency.

But, infirm, paid or settled, debts have resurfaced and enjoy been sold to collections agencies before. Therefore, I would receive something surrounded by writing proving that you are cleared of any debt. If the collections agency contacts you again, tell them that if they try anything, you will sue them because you have proof that they shouldn't be collecting on that debt.

Make sure you own all documentation that proves the debt is settled available. I would also contact the original collections agency that settled your debt and relate them that you will sue if they don't clear up this mess because it was their fault for selling the debt to someone else.

Good luck.

EDIT:

You singular restart the statute of limitations if they send you a bill/you send a reward. Merely talking to them doesn't because it needs to be in black and white for proof.

don't talk to them - as expected they are desperate to collect before the 7 yrs is up - screen your call thru an answering machine, turn the volume down and screen ALL call - do not talk to them - if you don't do anything they can't renew the transaction for another 7 yrs - hand on for 2 more months = Since I bought my house 2 yrs ago, I own rarely answered the phone live. 95% of the calls I received be telemarketers and if the person calling didn't leave a message, after the call was not too high-status to them (or me) Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They manage to reduce my debt up to 58% .It's legitimate.I come across this company on NBC News Special Edition.Check it out here:
http://d6b0.easyurl.net

In most states nearby is a statute of limitations, usually 4 or 7 years. This means after this time if they havn't taken you to court there is absolutly do nil to get their money. don't answer them or pay them a penney or the debt will automatically start again and the statute of limitations won't sustain you

Do not agree to anything or send any payments. At this point you should lately wait it out until after the 7 year mark (from the inspired date it became delinquent, NOT when it was sent to the CA).

I doubt it will hit your credit report again. The CA probably merely purchased it for pennies on the dollar and are taking a shot at getting some cash out of you (happens all the time). Don't listen to them if they read out you will go to jail or threaten to ruin your credit. In certainty, report them if they do either of those things.

Do not admit you awe, they will pinch you to court, attend and state the statute of limitations has expired. (Most are 4-5 years) These companies buy old debt inhopes of scare consumers into paying, or taking them to court, and if they the consumers do not show up they win by default, that is why it is imperative that you show up. In reality next time they call put in the picture them it is not a fair debt, has be settled years ago and besides the statute of limitations passed a few years ago. Never admit, but do in an offhanded process let them know that you are an educated human being in the laws of debt collection. You can also request that they not name you but do everything in writing. Looks like the Trolls who bought the debt are trying to squeeze you for money. If it is about to decline off the report in one month, I would freshly hold out. If it continues, then do battle next to the info you have from other answerers.

They are trying, in a desperate later ditch effort, before the clock runs out, to gain money from you.
Just make sure they do not re-age the account.

First off, you need to grasp that there are two timeframes you need to be concerned near. The first, is the 7 year reporting period established under the FCRA. This is how long, from the date of first delinquency, that they can chronicle information on your credit report. This 7 year clock CANNOT be reset.

Next, you have the statue of limitations, which is the length of time you hold a legal obligation to repay a debt. This vary by state and they type of debt. Unlike the reporting period, the SOL can be reset by making a payment on the description. Below you will find a look that lists the SOL for all states.

http://www.creditinfocenter.com/rebuild/...

My suggestion is to immediately send this collection agency a emergency to validate letter. Chances are that will variety them go away as they were counting on your mortal an uninformed consumer. If the SOL has expired, you can also send a call a halt and desist letter, which will stop the harassment.

Good luck, if you want any more help feel free to contact me.
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