Debt too old?

by B Stout
(Indiana)

I have a company saying I owe a bill for a cell phone back in 2001. I did not have a cell phone from that company, but my question is that I live in Indiana and the Statue of limitation is 10 years. Can they still harass me about this??
Thank you for your time.

Comments for Debt too old?

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Nov 21, 2011

Debt Too Old?
by: Debtcollectionanswers

First, a debt collection agency is never allowed to harass a consumer about a debt. That is prohibited by the federal Fair Debt Collection Practices Act (FDCPA).

Second, the issue in your regard is not the age of the debt, but the fact that you do not believe you owe the money the collector wants you to pay. Therefore, I recommend that you write the collector a letter telling him that you never had a cell phone from the company that claims you owe it money and telling the collector not to contact you about the cell phone bill again. Send your letter via certified mail with a return receipt requested. Once the collector receives the letter, the FDCPA says that he cannot contact you again except to notify you of an action the collector may intend to take to try collect from you. You can read our advice on using a cease and desist letter to stop a debt collector. If the collector continues to contact you after he has received your letter, get in touch with a consumer law attorney in your area who helps consumers resolve their debt collection problems.

Also, if you want to become more educated about your debt collection rights, I recommend that you get our ebook Debt Collection Answers. You can read the first chapter of Debt Collection Answers online for free

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