Welcome! My goal is to do my very best to understand your situation and to provide a full and complete answer for you.
Good morning. You can call them, but do not send them any money. Calling them and/or verifying anything does nothing to extend the statute of limitations. What you don't want to do is to either pay them one dime or sign anything that would constitute a new agreement. Either of those actions will re-start the statute of limitations, but nothing else will. Also, make sure you don't let any collection agency intimidate you into doing anything. They all lie and misrepresent the facts, including lawsuits and criminal prosecution and the status of the statute of limitations. If you are served with a summons you are being sued, then contact a lawyer to evaluate your options, but otherwise do nothing at the direction of the collection agency. If they continue to pester you, a recipient of such contact from a collection agency would
want to send them a certified, return receipt requested letter explaining the
recipient does not owe this debt or cannot pay this debt and demand they immediately cease and desist
all further efforts to contact the recipient and/or anyone else to collect this
debt. The recipient would inform them
that any efforts to do otherwise will constitute a violation of the Fair Debt
Collection Practices Act and that each
and every violation would be reported to the Federal Trade Commission. Each
violation carries at least a $1,000 fine, so this should be the end of the
I hope this
has given you information that has been helpful to you. If the information
seems more general than specific, please be aware that we are only allowed to
provide information and not specific advice. If you have a follow-up question, please remember that
there might be a delay between your follow up questions and my answers because
I may be helping others or taking a break.
If you do have any additional questions about my answer
please simply ask a follow up question without rating so I can provide
you with a fully satisfactory answer. Please be aware that any rating of 1 or 2 is
reflected as a negative rating, reflects negatively on my performance, and I
receive no credit for my answers.
Thanks for allowing me to be of service to you. Please be
aware that the information provided here is not legal advice. Rather it is
simply general information. All states have intricacies in their laws and any
information given is simply information only and specifically is not
intended to be, nor does it constitute, legal
advice. This communication does not establish an attorney-client relationship
with you. I hope this answer has been helpful to you.