Okay, so I have bad credit. That was six years and 3 months since my last payment to two credit cards. Both accounts have been bought and sold many many times over the past years, but now because the seven years is almost up they are calling me day and night, leaving messages on any phone they cen. They even got my cell phone number that I use for emergecies from somewhere (not from me). One agency after much debate finally told me that they will turn it over to the IRS with some 1099C and let them handle it. Then they called me two days later and asked if i was going to pay yet. The other company finally disclosed their name *** and said they would call back again and again until i take care of this. I told them not to call after seven pm MST becasue my son went to bed at that time. They have called me everyday after 8pm. How do I get them to stop. They claim the 7 yrs is from the time they bought the account which is wrong but how do I get them to stop??