7 years old phone bill?

Question

I just got a bill from collection agency stating that I owe $ 109 to Verizon. That bill is from sept. 2000. I know that statue of limitations in NY state is 6 years. i decided to despute that bill. What should be my next step? my credit report doesn't show any bad accounts. they threating to put that on my credit report. is tat even legal after 7 years?

Answer 1

Any and all phone bills for whatever reason (I don't know), never show up on your credit report. When I spoke to my lawyer this is what he told me. Write them and tell them NOTHING about owing them money, or else you statute of limitations will start all over again. Just say I live in NY and you have passed the legal limit on the statute. They are called zombie debts, they paid like nothing for your bill and are hoping you don't understand you rights. Good luck.

Answer 2

Collection agencies are scum, and often "re-age" the account, which means change the date of last activity and report that to the bureau. Should have paid the bill back then, but I know how sh.. happens. You have two choices at this point, neither of which are good.

Option 1, tell them to shove it up their butt and see what they do. If they reage the account and report it, then you are entitled to damages, but you will probably have to hire a lawyer to get it, meanwhile your credit score is hurt.

Or, you could pay the bill. If you do that then the agency will probably report it to the bureaus as a paid collection, and your credit score drops like 100 points overnight.

Having been broke and back, I would recommend option #1, and tell them to pound sand.

Look up www.pennlawyer.com, this guy makes a living suing collection agencies.

Answer 3

The statute of limitation does not affect what can go on credit reports. It affects whether they can sue you.

However, there is a seven year limit for negative information on credit reports, so it is now one month too late.

Answer 4

If the statute of limitations is six years they are just saber rattling. Make them put everything in writing so you can have a copy to send to the Federal Trade Commission when you complain about illegal collection practices.

Answer 5

I paintings contained in the on the spot market and that i used to paintings retail and that i heard HORROR thoughts like this each and every of the time! i understand if my daughter did that i ought to likely take the phone away for some months and easily enable her use it even as she change into out of the homestead and that i ought to have her do chores and pay me again the completed $a million,000. inspite of it took ... she ought to ought to pay it again. it's going to coach her the cost of a dollar and to truly preserve that variety of decrease contained in the destiny if she is conscious that she will be in a position to ought to paintings to pay you again. fairly, i keep in mind that it really is needed on your toddlers to have a telephone yet i ought to point you search for advice from out of your cell phone service and spot if there's a fashion to limit her calling. countless the cellular phones comprise an decision to limit the calling to the numbers that are contained in the phonebook so as that way she will be in a position to't call or acquire calls from everybody outdoors of that phonebook and then you will be able to fasten it so as that she will be in a position to't change that characteristic. i keep in mind that LG handsets have that, the Motorola's do no longer. also seem at blocking off textual content and internet get entry to. those good factors are regularly the culprits for the severe telephone charges with the more youthful crowd.

Answer 6

Tell them right off that it is beyond the statute of limitations, and you will if threatened fight it as such.

Answer 7

Since you admit that you owe it, why not be responsible and pay it?

Answer 8

probly not

Answer 9

just pay it, it not that much