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Submitted by: Gerri & Mary

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Linda, it certainly sounds like your debts have been sold to multiple debt buyers. According to our sources, the statute of limitations for most consumer debts in Nevada is six years. We are not attorneys, so we can't say that definitively, but you are likely correct that these debts are too old. If these debts are outside the statute of limitations, then there is no need to send the collectors any information about your financial status. All you need to do is send them letters telling the debt collectors to stop contacting you. You will find our advice on sending <a href="http://www.DebtCollectionAnswers.com/cease-and-desist-letter.html">cease and desist letters here </a> - we hope you will find it useful. Please also make sure that you start a file and keep copies of every letter you received from these collectors, as well as receipts showing you mail them cease contact letters. If any of them contact you after receiving your letter, we would recommend you contact a local consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5143 for a free, confidential case evaluation. You are already aware that all collection accounts late fees cannot be reported on your credit reports. You may want to check your credit reports to make sure none of these companies report. If they do, follow our instructions for <a href="http://www.DebtCollectionAnswers.com/How-To-Dispute-Credit-Report.html">disputing collection accounts on credit reports </a> and let us know how it turns out. Good luck with this. If you have any follow-up questions, please be sure to use the comments link below so we can keep them together with your original question. We would also be interested in hearing how this turns out for you.

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