can a collector collect a bad debt after 7 yrs, even if it is not yours, but u had not filled a police report?

Answer 1

assuming you are talking about identity fraud...and yes they can continue to harrass you....depending on your ability to pay and how much it is, it may be in your best interest to pay it...however most places will allow you to contest the debt..you could write a letter to the company explaining to them....just remember one thing - although it may harm your credit score, they can't put you in jail for not paying it

Answer 2

Yes, a collector can try to collect. That doesn't mean you are legally obligated to pay them. Most states have a statute of limitations on debts. In most states, it is less than 7 years, but some are longer. Check out the link below for a list of states and their statute of limitations.

Also some sleazy collectors are known for hitting up anyone with the same name with collection letters for debt. If the debt is not yours, send them a "drop dead" letter stating "I have been contacted by your company about a debt you allege I owe. This is a mistake and this debt is not mine. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so."

If this debt is a result of you being an identity theft victim, at this point, I don't know if I'd even bring that up with the collector. Most likely it is covered by the statute of limitations, and that way you don't have to supply a police report.

As a general tip, you always respond in writing by certified mail within 30 days to protect your rights. Since they debt is 7 years old, it should no longer be on your credit reports and they can't put it on them.

Under no circumstances are you to acknowledge the debt, agree to pay, or send any money toward it. That will refresh the debt and make it current again. The only exception is if you fell you have a moral obligation to do so. In that case, negotiate terms and get it in writing from them before you send them a cent.

Answer 3

Find out what your states statue of limitations is on time-barred debt. How is the debt not yours? Ex wife, identity theft, can you prove it, did you report it to credit reporting agency. If it is a time-barred debt visit the FTC website http://www.ftc.gov/bcp/conline/edcams/credit/coninfo_debt.htm. Between those two websites you should find out enough information to handle these creditors, including sample letters, and how to correspond

Answer 4

You tell them that you want PROOF that it is your account.. they have to keep all that on record...