16 year old debt

by Mozelle
(Columbia SC)

I revieved a bill from collection agency about a 16 year old debt I dont remember or have never recived a bill in the 16 years for a gym membership what can I do I dont want to apy a bill I dont owe

Comments for 16 year old debt

Click here to add your own comments

Mar 05, 2011
16 Year-Old Debt
by: debtcollectionanswers.com

You are not obligated to pay a debt that you do not owe. Furthermore, because the debt is so old, the statute of limitations on it has expired. Therefore, even if you do owe the debt and have forgotten about it, the collector cannot sue you for the money although the collector can continue contacting you in an effort to get you to pay up.

Given that you claim the debt is not yours and given that it's such an old debt, I would write the debt collector a cease and desist letter. In your letter, tell the collector that the debt is not yours and that you do not want to be contacted about it again. You are entitled to do this under the federal Fair Credit Reporting Act (FCRA). Make a copy of the letter for your files and send the original letter via certified mail with a return receipt requested to the debt collector. Once the collector receives the letter the FCRA says that he is not entitled to continue communicating with you other than to confirm receipt of your letter. You can read our advice about using a cease and desist letter to stop a debt collector.

If the collector continues to contact you about the debt or threatens you with legal action after he has received your letter, contact a consumer law attorney in your area who helps people resolve problems with debt collectors. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

You can read our advice on using a cease and desist letter to stop a debt collector.

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2021 by Mary Reed and Gerri Detweiler.
All rights reserved..
Read our Privacy Policy here. Do not sell my information.