After 11 years a olden debt collector is trying to collect, the two debts I owe are 1,400 dallors, the aim? why they were'nt paid be the michcon read the meter wrong and

why they were'nt paid be the michcon read the meter wrong and blamed it on me, and the other was at&t because I accidentally made long distance connections threw earthlink, and I get a bill for 1,200 and at&t said I owed that much for one month, the thing is how to I rectify this, I don't have a feeling either one of these are right to money, but now it is on my credit report..any suggestions

First item I would do would be to pull a copy of my credit report. If the debts do not show within, they may not be legally enforceable. Just because a creditor say they are showing up does not mean they really are. Get the facts first.

If they do show, after you might want to try and negotiate to pay them rotten.

Here is a sight where on earth you can get a full credit report from adjectives 3 bureaus so you know exactly what is showing. Cancel within the 7 morning trial if you do not want to pay the monthly monitoring cost.

http://www.answerslinks.com/creditreport...

Talk to the attorney general.

Answers: Kathleen,

Ever win the lottery? You wanna win $1000?

Collection Agents hold this habit of "re-aging" debts shifting the delinquency date and posting them back on your credit report.

According to the Fair Credit Reporting Act, debts can NOT be scheduled on your credit report more then 7 years, launch from the date of the delinquency. That means the date that you owed the bill and missed the wage. It's NOT the last payment/transaction date.

Therefore, the collection agent is surrounded by violation of the regulation, but in lay down to get this into court surrounded by a civil suit, you MUST follow a specific procedure, which involved some letter writing.

Read the links below. If this is not removed from your credit report inwardly 30 days, file a small claims suit. It's trouble-free to do, you don't need a advocate, and you WILL win. But you must follow the procedures.

As for paying the bill, ignore them. The debt is means of access past the legitimate Statute of Limitations and they can not sue you or collect. Send them a 'cease and desist' letter and put in the picture them not to contact you again. If they do, guess what? Another $1000 lawsuit!

Contact me if you need any more sustain. I'm not a lawyer or credit counselor, a moment ago someone who has be down this road.

Hi. The statute of limitations for credit reporting of distrustful debt is 7 years. If these debts are older than 7 years or closing paid/first went deliquent that long ago, they should not be reporting. I would recommend disputing beside all credit reports as "out-dated."

The legal statute of limitations on debt vary by state but in most states it is somewhere between 3-6 years on adjectives types of debt. I cannot imagine anyway possible an 11 year elderly debt is still collectable. This means they CAN ask you to rate, but they have no official recourse.

You should ask the alleged creditors for validation and dispute with Experian/Equifax/Trans Union.

The suggestion in the order of contacting the attorney general is also a correct one.

You may also need to contact a consumer attorney. IF they are reporting olden the statute of limitations and the credit bureaus are complicit in re-aging the debt, they enjoy both broken the law and you may be capable of sue for violations.

Some places to look in, creditboards.com/forums
www.naca.net - national Assoc. Consumer Advocates ( list consumer attorneys)

You'll have to double check but I conjecture they are suppose to clear you off adjectives debt after 7 years. Some places I've heard wipe it out after 4 years. Phone the credit bureau and see if they can remove your cross or they'll tell you what wants to be done. 11 years is unreal, tax evasion is cleared after 10 years.