Old Bankrupt Account

by Rebecca
(Morrilton,Ar. USA)

This company has sent me a letter trying to collect on an account that went into bankruptcy 1998. They are saying if I don't respond in thirty (30) days that they will assume this debt is valid. What should I do????

Reply from DebtCollectionAnswers.com:

Don't panic Rebecca! You can send the collection agency a certified letter telling them the debt was discharged in bankruptcy and asking them not to contact you again. Don't worry, they can't make the debt "valid" again just because you don't respond within thirty days.

Send your letter by certified mail, return receipt requested. If you hear from them again after they get your letter, you'll want to contact a consumer law attorney right away.

For more information, read our suggestions on using a cease and desist letter to stop a debt collector.

Comments for Old Bankrupt Account

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Jan 24, 2014
 RJM Say I owe bad debt 24 YEARS AFTER Bankruptsy......WTF?
by: AnonymousVeteran

I am a retired Iraqi Freedom Veteran. Before going in the Army, I filed Chapter 13 Bankruptcy and paid all my creditors off. I may have paid them less than what I owed, but they were paid off. The rest was discharged and never seen on my credit report again. All my debts 1990-1991 have all disappeared.

Every time I moved, I received this green letter from RJM Aquisitions about a credit card debt they say I still owe. I do not answer it because I do not owe it. The debt is under $500. I moved 5 times from 2005-2009. Each time I moved, a month later I received the same letter from RJM. What can be done if I moved again and receive that letter?

Reply from DebtCollectionAnswers.com:

You can file a complaint with the Consumer Financial Protection Bureau or get a free consultation with a consumer law attorney. And thank you for your service.

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