Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Hello, and welcome. I am a licensed attorney and happy to assist.
If you are receiving demand for payment on an old account (2008) it may or may not be valid. Obviously, if you completed your payments, there is no reason for you to be charged an you are being scammed. If you still owed money back in 2008, that debt may have just been purchased by a collection company trying to see what it can get, but it's legal collection options are limited. It can contact you and request payment, which you can voluntarily pay, or you can refuse to pay, send a cease and desist letter and there is nothing further the collection company can do on such an old debt. They cannot report to the credit bureau's because reporting is only valid for seven years after the delinquency and the statute of limitations has run so they cannot collect via court action. The cease and desist letter instructing them to never contact you again should be sufficient to end the matter, under the circumstances.
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