27 Dec 09 Legal question about a old debt?
Tags: Bad Idea, Checking Account, Credit Card, Direct Deposit, Eclipse, Lawyer, Legal Question, Loan Company, Mail Order, Money Order, Payday Advance, Payday Loan, Payment Agreement, Proof, Receipt, Resolutions, Voice Mail
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They are a collection company. They either were hired by the original creditor or they bought the account from the original creditor. Probably, the latter.
Unless you are prepared to prove you paid it, you should pay it…try to negotiate a deletion from your credit report in exchange for payment….
Payday Loan Choice
They are a debt collector. They will say anything to get you to pay a debt. They will lie, cheat and steal to get paid.
Talk to a local lawyer. Most will give you free consultation. Do not speak to them again before you talk to a lawyer. Send any communications with them via certified mail.
Look up the statute of limitations in your state. It may not be collectible but most states have a 2-3 year period to collect so don’t count on that. Talk to your local DA and see what they think about it.
Snoring Gone Forever