old account not mine

by kyle

Need some help on this, debt collector keeps calling about an account that's over 7 years old. They tell me that they purchased the account from at&t and the debt is a old cell phone I had back in 04, problem is this I have never had a at&t account. To try and clear this up i sent them a letter letting them know the debt is not mine and I wanted information they had on this account. Well this was 2 years ago, seeing that I never heard anything from them I figured they found out I was telling the truth. So on the 11 I get a call asking when am I goin to pay this debt my response to them was when you going to send mee then information I requested about the account. they want me to send out yet again another letter, I've contacted at&t talked with accounts receivable talked to 3 or 4 specialists no one can find an account every opened in the time frame that the collector clams the account was open and closed. They also verified that my name and ss# was never used to open a account with them. What do I do?

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Jul 04, 2012
old account not mine
by: Debtcollectionanswers.com

Here is what I would do given that you are sure the phone bill is not yours. Write the debt collector a letter telling it you do not want to be contacted about the debt again. Make a copy of the letter for your files and send it certified mail, return receipt requested. Read our advice on using a cease and desist letter to stop a debt collector.

Once the collector receives the letter, the federal Fair Debt Collection Practices Act says that it cannot contact you again except to confirm receipt of your letter or to inform you of an additional action it intends to take to collect the debt. Typically, that action would be to file a lawsuit against you. However, the debt you write about is old enough that the statute of limitations on it has expired and so therefore, you cannot be sued.

If the debt collector ignores your letter or files a lawsuit against you, your legal rights have been violated and you should go here to schedule a free free consultation with a consumer law attorney. You may have grounds for a lawsuit.

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