Can Debt Collector Call Me About Some 21 Year Old Debt In Some Bank In Germany?

by Mark

I got phone call and then a letter from some collection company from California about some debit from overdrawn bank account that they claim happen over 21 year ago in some bank in Germany. Do they have a jurisdiction and what I should do if I have nothing to do with it and how they connect me with it if this is not a scum?

Comments for Can Debt Collector Call Me About Some 21 Year Old Debt In Some Bank In Germany?

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Mar 30, 2011
Very old foreign debt


This is bizarre, but it's not the first strange question we've received. It could be a scam or it could be you've been mixed up with someone else.

The statute of limitations for most consumer debts in New York is six years. It doesn't sound likely that there is anything they can do at this point to collect from you.

We would recommend you do three things.

First, at least read the first chapter of Debt Collection Answers online for free so you have an overview of your rights when dealing with this collection agency. Regardless of the source of this debt (a German bank), the debt collector has to follow the Fair Debt Collection Practices Act in trying to collect this debt.

Next, ask for written verification of this debt (if you haven't already). It's your right.

Third, if you believe this debt is too old, is not yours, etc. you can send the collector a cease and desist letter telling them not to contact you.

Good luck! Do let us know how this turns out - it's very interesting.

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