credit collector law? one credit collector called me two or three yrs ago to collect

one credit collector called me two or three yrs ago to collect one of they so call it "unpaid debt" from cingular. i never acknowledged of thaht debt, nor did i receive any bills from cingular, i called cingular after that, and they told me i did owe that much, so i asked them to distribute me a bill and describe what it was for. I cancelled my cingular long time ago conceivably 5yrs ago beco'z the bill came out a few hundreds, i be very batty and paid everything bad at once. I remembered it so clearly that i paid it bad.. and one yr later, my credit go bad.. at the time i didn't know the motivation.. so after 3yrs ago, i got the phone call from credit collector, everything's cleared, but i requested for the bill from cingular, they never sent me and this yr, i requested, they never got backbone to me.. i wonder if they will ruin my credit again. . i wonder if there's any laws protect consumers.. i read an article a few mins ago proverb if the debt's 4yrs old, they cannot collect from u again, is it true?

Answers:
Regarding your ending question, respectively state has a Statute of Limitations on how long a debt is officially recognized. Go to the link below and look up your state.

The first entry you need to do is capture those silly collection agents off your pay for. To do that, use the sample communiqu�� below requesting that they "validate" your debt. That means they must dispatch you a copy of the bills, contracts, and anything that was used to add the debt you owe. If they don't supply you with that information, they can't keep hold of the negative report on your credit history.

Send this reminder to both Cingular and the collection agent. If they do not respond back contained by 30 days, send a copy of that communication, plus a letter demanding that the report be removed from your credit history, to respectively of the credit reporting agencies. That will get it stale your records.

Now, what I'm going to bet is one of two things happen. They either messed up your second payment and didn't enter it correctly (you do own a copy of the canceled check, right), or you are being billed a levy for canceling your contract early. All of the cell phone companies hold a very generous termination fee, and nearby is no easy bearing to avoid it. It's right there within the contract you signed.....

....which is why you are sending them that "validation" letter. No contract = no lawful agreement to pay them.

So gross them prove your debt or leave you alone!

Other Answers:
Each state have thier own laws, a moment ago do a search next to your states name and collection law ( missouri collection laws ).