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Submitted by: Gerri

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Jean, <a href=" http://www.debtcollectionanswers.com/http://www.debtcollectionanswers.com/Debt-Collection-Questions.html">Thanks for submitting your debt collection question on our Q&A page. </a> While my initial reaction was to tell you to try to get proof from your credit card company that you paid the debt (I understand that you think it may not be feasible at this point), but after a little more digging, I am not sure it is necessary. According to my sources, the statute of limitations for most types of debt in Texas is four years. I am not an attorney, and can?t give you legal advice, but if you don confirm that this debt is outside the statute of limitations, then you should be able to put an end to this fairly quickly. All you would have to do is write to the collection agency, tell them the debt is too old for them to collect, and ask them not to contact you again. They can't contact you again except to take legal action, which would be unlikely if the debt is outside the statute of limitations. (If they do contact you again after getting your letter, you can contact a consumer law attorney for help.) If you go this route, please also file a complaint with the Federal Trade Commission (FTC.gov) and your state attorney general. They need to know what's going on with these collection agencies. Yours is a good example, though, of why it is so important to keep good records of any debts you settle or negotiate with a debt collector. You are not the first person on our site who has complained about being contacted over a debt they already paid.

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