How old is too old to pay a past due bill? Have someone trying to collect after 10 years; can't prove paid

Answer 1

You need to find out what the statute of limitations (SOL) is for your state.

Also, alot depends on the type of debt. For instance this is a credit card, then your SOL would start running the first time you became 30 days late and never brought the account current leading to the charge off.

If you are past the statute of limitations, they can continue to try to collect, but the cannot sue you. Also, if you are past SOL, you are not legally bound to pay them.

If you became 30 days late and never brought it current more than 7 years ago, they cannot place it on your credit reports.

You might check out the site I've listed. You will be able to find the SOL for your state.

It is a free site. Everything on there is free to read and to use.
Start reading in the newbie forum then go into the credit forum and do some reading.

Answer 2

First step is to check to see if it is still on your credit report. Normally items only stay on for seven years. However, its 7 years from the last time they reported on the item. If its not still on there don't even worry. If it is on there, follow the procedures to dispute it. There is a chance that it may be so old it will come off automatically or that the creditor doesnt respond back in time. I recommend actually disputing everything thats negative because you never know...maybe it gets wiped away. Good Luck!

Answer 3

in the event that they are able to't practice which you owe it, tell them that that is too undesirable. they could desire to grant the info in writing with education. in case you verify your credit rfile and discover that they indexed it, then stick to the learning for disputing it. My first guess is that it somewhat is a scam as a results of fact which you haven't any longer any understanding of a invoice as a results of telephone business enterprise. as properly, even series businesses unload small claims after some years as a results of fact that is not properly well worth the cost in postage and worker time. My 2d guess is that the series company is under new administration and that they are attempting to 'scare' human beings into paying up on money owed they offered sixteen years in the past. in spite of in case you owed the invoice, the statute of obstacles has long expired and the series company isn't even a social gathering to it.

Answer 4

They will still try after it has fallen off of your credit report. Don't talk to them or give them any information. If they are shady, they will open it back up for another 7 years.

Answer 5

Ignore them: that debt is too old to appear on your credit report.

Answer 6

IF THEY WANT YOU TO PAY AND YOU DONT IT WILL STAY ON YOUR RECORD