Collection Notice: I get a interest of collection for something like $260 for a phone bill from 1997! Do I own to settle? This bill is from an address I never lived at. The address

This bill is from an address I never lived at. The address is associated to 2 girls I knew within college. I wonder if they committed fraud, but I don't want to take feat on that because frankly, 1997 is not very clear contained by my memory being that it be 10 YEARS AGO! So..the bill says I will enjoy a negative cred report if I backfire to fulfill the terms of my cred condition. I have "immaculate credit" according to people who've checked for rental applications, etc. SO I don't know where on earth this came from! And I settle up all my bills. Do I enjoy to pay this one? This is bogus! Please update me how to go almost it. The company collector is AFNI, Inc. THANKS.

They can't put that on your credit anyways, most states are 7-10 years for liquidation much less a $200 debt. Collection agencies are the rabble of the earth. Collection agencies buy debts surrounded by hopes of returning a profit. Usually the longer it goes the more borderline banned means they use. I would envision some retarded collection company decided to buy up a bunch of prehistoric debts with no regard to their being legal. I would advise to never ring up a collection company, I would document and send packages so it can't be turned into a he said she said issue. You should have a 30 daytime window to request any proof they own that you owe THEM that money. The key is them, because the majority of the time business will write stale a debt and it will be out of their books. So under the unproved circumstances you owed them and probably the original collection agency. However, once this debt have been wrote bad and bought several times it can be very imprecise who is actually owed the money. So they hold to prove that that debt is legit and that is is owed to them and not the untested creditor. I would say receive tough with them, start sending them post DEMANDING proof of claim within 30 days or you will land legal council.

is the bill on your name if it is not the why are you going to pay cheque it don't call the company and make clear to them its a mistake if its in your nickname tell them what you told surrounded by the question

You never lived there. It's a 10 year older bill. Don't even look at it again. End of story.

tell them to confirm the claim, and explain to them you've never lived at that address, never made a payment on such sketch, and had no knowhow of such an account. Ask them to produce anything near ur signature on it.

if you didnt pay packet it they can still send notice but after 10 years who would have the reciept for pymt. It cannot affect your credit because it is too older. After 7-10 years it should be off your credit

no, you dont have to wage i received a notice for a 10yr older collection from them mail edthem a cease/desist missive 9 months ago never heard another word from them and its not on my credit report

They can't be in motion after you unless they can prove you signed the paperwork ordering the service. Plus - the debt is 10 years aged. They can't post that for credit.

They are probably one of those high risk speculation companies that bid on closed out accounts, using campaign that verge on the criminal contained by order to obtain people to cough up money.

I would also retain an attorney and consent to him deal next to them - my bet is you won't hear from them again

I would surrounded by no term money that bill.It's from 1997,we are in the year 2007,from an address you hold never lived at.I would take some species of action,there's money involved.

Answers:
Michael F is pretty much correct.but you certainly do not obligation to hire a lawyer.

That be not a collection letter you get.it was a potential lottery ticket worth $1000! Don't lose it!!

Use the preview debt validation letter surrounded by the link below.be sure not to relocate the wording too much because it pretty much fits your exact situation.

Add only that this debt is 10 years outmoded and the Statute of Limitations has expired. Also point out that (according to the collection letter) the debt is 10 years infirm, so posting it to your credit report constitutes an intentional act of posting incorrect information to your credit report. SEND THIS LETTER TODAY by certified mail/return unloading.

Give it a month or two then verbs your credit report and see if they were silly adequate to post something. Then sue them in small claims court...you will own a very effortless win!

Ignore it. I can't reflect on of a single state that allows 10 years to collect a debt. It's past the statute of limitations. If you answer, or salary anything, then you gamely have consented to pipe the debt again. Debt collectors send correspondence like this hoping someone will basically roll over and pay. Don't.