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Sean O | I had a charge off on a cc acct over 15 years ago but still keep getting hounded by credit collection agencies |
I know that this debt is still my responsibility, but I do not want to have to pay this debt to someone that bought it from the original CC company. This debt has been sold to some type of credit collection agency probably at least a dozen times. About every 3 to 6 months I start getting phone calls at all hours of the day from either the same or new collection agency. Do I have any rights in this matter? This charge off, of course is no longer on any of the credit reports, yet each agency states that it is still affecting my credit score. I have purchased 2 different homes and 5 different cars as well as had several different CC accts during this time so I know it is not killing my credit score. I just want to know how to get all these agencies off my back, short of paying them off.
Additional Details
forgot to mention that the debt was from when I originally lived in Texas and now I live in North Carolina. Both SOL's have expired. |
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Crazyjester9
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I don't think you should repay this debt. First, the SOL has expired. The creditors had plenty of time to recoup their money and failed to do it in the time allowed...tough for them. Second, you already paid this debt by having it hurt your credit for 7 years. Luckily it sounds like you know your rights so they can't bully you into paying. What you need to do is send a cease and desist letter to the collection agency. Send it certified mail, return receipt so you have proof. If they continue to contact you after that, you can easily file a lawsuit against them and win. I would simply type up a letter telling the collection agency to cease and desist all contact and debt collection activities, as the debt is past the SOL." |
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Lise22
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This is how collection agencies make money. They find old debts and then harrass the people hoping that the scare tactics will work and the person will pay the debt and then the collection agency get paid for collecting. The next time they call tell them that if they continue to harrass you that you will filing a complaint with the Better Business Bureau and will charge the company with harrassment. |
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stan c
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They can call you till the day you die. Since it's past the SOL and not on the report, just play their game and call them every 20 minutes until the sick of your calls. Do not make any payments, not even $5.00 because it will start the SOL over again, |
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wanabe30
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Only problem at this point with paying it off is it will be back on your credit report. The no contact letter is a good option until it is resold. |
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TaylorProud
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Get an attorney to write a letter to them. |
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2024deedee
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Contact your state or province if in Canada regarding Credit Agencies Collection Canada is 1-800-207-0841. Agencies are bound by regulations and must follow them. They are not allowed to call day/ night and must have 72 hours between phone calls. |
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bud68
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All you can do is send them a "no contact" demand letter. |
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kelly
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www.debt-n-creditletters.com and look under stop calling me letters copy it word from wrod then all the calls wull come to a stop, this has gave me back my mind. |
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duffie_1999
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You know you owe it, so just pay it off. Sometimes you have to do the right thing just because it is the right thing..not paying it is just like stealing even though it is not effecting your credit. If you know it is your responsibility, take care of it. |
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