Can a collector collect a fruitless debt after 7 yrs, even if it is not yours, but u have not packed a police report?

You tell them that you want PROOF that it is your article.. they have to keep adjectives that on record...

Yes, a collector can try to collect. That doesn't denote you are legally obligated to pay them. Most states enjoy a statute of limitations on debts. In most states, it is less than 7 years, but some are longer. Check out the link below for a index of states and their statute of limitations.

Also some sleazy collectors are known for hitting up anyone with equal name with collection junk mail for debt. If the debt is not yours, send them a "drop dead" letter stating "I enjoy been contacted by your company about a debt you allege I owe. This is a mistake and this debt is not mine. I am instructing you not to contact me further surrounded by connection with this debt. Under the Fair Debt Collection Practices Act, a federal decree, you may not contact me further once I have notified you not to do so."

If this debt is a result of you human being an identity theft victim, at this point, I don't know if I'd even bring that up beside the collector. Most likely it is covered by the statute of limitations, and that way you don't own to supply a police report.

As a general tip, you always respond surrounded by writing by certified mail within 30 days to protect your rights. Since they debt is 7 years infirm, it should no longer be on your credit reports and they can't put it on them.

Under no circumstances are you to acknowledge the debt, agree to pay, or send any money toward it. That will re-acquaint yourself with the debt and make it current again. The only exception is if you fell you own a moral obligation to do so. In that case, negotiate language and get it in writing from them since you send them a cent.

Answer:
assuming you are talking about identity fraud...and yes they can verbs to harrass you.depending on your ability to pay and how much it is, it may be within your best interest to pay it...however most places will allow you to contest the debt..you could write a letter to the company explaining to them.simply remember one thing - although it may harm your credit mark, they can't put you in jail for not paying it

Find out what your states statue of limitations is on time-barred debt. How is the debt not yours? Ex wife, identity theft, can you prove it, did you report it to credit reporting agency. If it is a time-barred debt look in the FTC website http://www.ftc.gov/bcp/conline/edcams/cr... Between those two websites you should find out enough information to handle these creditors, including taster letters, and how to correspond