Thanks a lot for the info, hopefully I didn't start the process over again by admitting to living at the previous address or that a family member might have forged my information. I'm going to get a cease-and-desist letter if they keep hounding me. I just hope I didn't start the ball rolling again by admitting to living out the previous address and stating that maybe my brother had obtained my social security number or something. Anyway thanks for the info.
I certainly agree that it's unwise for a debt collector to rattle off your full Social Security number over the phone. Whether or not that breaks any laws, I'm not sure. But at a minimum, I would recommend you complain about this to the Federal Trade Commission at FTC.gov.
As for this debt, according to my sources the statue of limitations for written contracts in Kentucky is 15 years. (I'm not an attorney, so you'll need to verify that with your state Atty. Gen.'s office or a consumer law attorney.)
That's an unusually long statute of limitations, but even so it appears that it's expired. If you haven't had any activity on this account since 1991 then it's very likely this debt is too old.
If you confirm that the statute of limitations has expired for this debt, then you can simply send a debt collector a cease and desist letter asking it not to contact you again. Explain that you know the debt is too old. If they contact you again, it would be to take legal action against you, which seems unlikely.
I hope this helps. Let us know how this turns out for you.
