Old Bankrupt Account
This company has sent me a letter trying to collect on an account that went into bankruptcy 1998. They are saying if I don't respond in thirty (30) days that they will assume this debt is valid. What should I do????
Reply from DebtCollectionAnswers.com:
Don't panic Rebecca! You can send the collection agency a certified letter telling them the debt was discharged in bankruptcy and asking them not to contact you again. Don't worry, they can't make the debt "valid" again just because you don't respond within thirty days.
Send your letter by certified mail, return receipt requested. If you hear from them again after they get your letter, you'll want to contact a consumer law attorney right away.
For more information, read our suggestions on using a cease and desist letter to stop a debt collector.