Unique situation on an old debt

by CS
(Lawrence, KS USA)

I recently received two letters from a collection agency on a debt that is 12 years old. And the amount on the letters are different amounts. The debt is from a broken lease in Georgia in 1998. Since then I've lived in Wisconsin, Texas, and now Kansas. I am not a permanent resident of Kansas because I am in school full-time. My permanent residence is in Texas, but the letters were sent to me in Kansas. I don't recall ever speaking to anyone about this debt while living in Texas or Wisconsin, nor is this debt currently on my credit report. And I can't recollect if its ever been.

Before I left the apt complex in GA I remember signing a roommate release form. I immediately left due to a threatening situation. But apparently after I left this release was not approved by the apt manager because they felt that my roommate would not be able to uphold the financial obligation of the apt on her salary.

A few weeks after I left my roommate abandoned the apartment. I have not spoken to this roommate in years nor do I have a way of contacting her to find out the specifics of this or even if there was a judgment against this. What do I need to do? Should I contact the collection agency?

If there was a judgment, how come its never been on my credit report? And how do I find out if there is one?

Comments for Unique situation on an old debt

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Mar 16, 2011
very old debt
by: DebtCollectionAnswers.com


This debt has likely been purchased by a debt buyer, which is why you are hearing someone after all this time. It's doubtful there is a judgment against you if one never appeared on your credit reports. (Judgments are typically reported to all three major credit reporting agencies.) Was there anything in the letter that stated there was a judgment?

The reasons why you broke the lease aren't likely to be relevant. Unless you have something in writing from the landlord stating that you didn't have to pay the rent then the debt is probably equally your responsibility.

However, there is a statute of limitations on debts in all states. According to our sources, in all the states in which you might be sued (GA, TX, KS) the statute of limitations has likely expired. (We are not attorneys so you will want to confirm that information.)

If the statute of limitations has expired, you can send the debt collector a letter instructing it not to contact you again. Please review our information on using a cease and desist letter to stop a debt collector.

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