Out of the blue we received a beckon in relation to a 15-20 year infirm "unpaid debt" to Popular Club. Is this legally recognized? Two levels up this pyramid confirm that they were never notify of

Two levels up this pyramid confirm that they were never notify of any issues, and no one has collection going that far back...Including us...

Yes it's legal. They can try to collect debts but they have no grounds, especially 15 years latter. They have 3 years to file a claim, which that time have more the lapsed. It can stay on your credit for 7 years. Tell them to 'shove it' in a professional letter and that if they verbs that you will in turn sue THEM for harrassment.

It's way past statutes of limitations. Send them a debt validation/cease & desist epistle.

Answers:
It's legal.

Since it's that ripened, more than likely it's out of the collecting SOL (unless it's a judgment) And, it cannot be placed on your credit reports.

By law the collection agency must notify you by communication within 5 days of speaking to you on the phone - though they usually don't.
If that phone call be the first time you have heard from that collection agency and you are still inwardly the first 30 days of that phone call - send them a debt validation message.
Send it certified mail return receipt. Do not sign the communication, print your initials or just type your name.

If they cannot substantiate, which they probably can't, it wouldn't be legal for them to continue collections.

Then if after they receive a lame attempt to validate or 35 days have passed since they signed the green card, transport them a SOL letter. The SOL letter will put in the picture them the account is no longer legally collectible and to filch a hike. (and has more teeth to it than a abstain from & desist)

You might do some reading on the link I've provided in my profile to the FDCPA. You might also check out the ending link I have nominated - to find sample validation and SOL letter template.

Unless it's a judgment, toll lien, student loan, you are well beyond the statue of limitations.