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Personal Finances / Credit Cards and Consumer Debt


Subject:  Re: Collection Agency Settlement Letter Date:  2/22/2005  6:01 PM
Author:  Fuskie Number:  197969 of 312123

Yes the debt the CA is going after is older than 7 years. I knew all my debts from that period had dropped off my credit report. Or was pretty sure they should have by now. But I read an article recently and thought they could still come after me for it using the courts and stuff.

The settlement offer is a con, just ask I described. After 7 years you do not owe the debt; they are just trying to trick you into reaffirming it. So let them sue. All you have to do is show up in court and say, "Your owner, I have documentation proving this debt is over 7 years old and I am under no obligation to pay it." And the judge will say case dismissed. Then you can counter sue the CA on the grounds of fraud and extortion.

If you really have concerns, find your nearest CCCS via the National Foundation for Credit Counseling ( and ask for a free consultation.

Who under no circumstances wants you to make it easy for the CA...
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