Still Collecting and Not On My Credit Report Anymore

by James
(Cleburne TX)

NCO Financial is not even on my credit report anymore and they are still calling attempting to collect.

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Mar 21, 2011
Old debt no longer on credit report


According to our sources, the statute of limitations for most consumer debts in Texas is four years. (We are not attorneys, however, and cannot give you legal advice. You'll want to check with a consumer law attorney or your state attorney general's office.)

If you believe this debt is too old then you can send the debt collector a letter asking them not to contact you again. Send it via certified mail, return receipt. Once they receive your letter, they cannot contact you again except to take legal action. But if you've correctly pointed out that the debt is too old, it's unlikely they would pursue it in court. You can learn more about sending a cease and desist letter to stop a debt collector here.

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