I had a credit card debit from 1983. I filed bankruptcy in 1985 and included this in it. Now 25 years later I get a letter from a Midland Funding Collection Co saying I have to pay the debt or "else"....anyways, I called and told them the debt was discharged in bankruptcy procedings in 1985...Now I get a second letter stating that they have no record of the bankcruptcy and I need to have my attorney send them a copy. This is 25years old, and I can't even get any legal copies of anything to send them, as the archives only will allow access back to 1987. I tried calling them and was treated so rudley I couldn't even believe it......I wrote them and told them again to leave me alone.....what can or should I do, I am sick of them harrassing me....Isn't there some law or something that protects me from this???? Please help...Serious replys only people.....this is no joking matter.
2007-10-30 06:02:23 · 3 answers · asked by Imamamea 2 in Business & Finance ➔ Other - Business & Finance
Don't talk to them on the phone. Send them a cease and desist letter (certified mail, return receipt). Refer to the Fair Credit Reporting Act and tell them to never contact you again.
Check your credit report. Sometimes these scumbag collectors report it. You would have to dispute it as being way beyond the 7 year reporting period.
Don't be surprised if in a few months you get a different collection trying to collect. You will have to send them a cease and desist letter as well.
2007-10-30 06:12:24 · answer #1 · answered by bdancer222 7 · 1⤊ 1⤋
The pondscum that work for these companies are only encouraged by the fact that you assert the bankruptcy, but you can't prove it. To them, that means they are free to pursue you because you can't prove the discharge.
However, the statute of limitations to sue you has run. I'd send them a certified, return receipt letter that says the statute has run, and that if they continue to harass, they'll be sued.
You can probably get pretty big damages. Then, go find a bull dog of an attorney that loves to go after this kind of slime.
2007-10-30 13:14:02 · answer #2 · answered by scottclear 6 · 1⤊ 1⤋
they cannot go after you. it is the usual pressure tactics of collection agencies. contact your local govt official and find out how to file a complaint. send collection agency a certified letter stating the debt was included in a previous bankruptcy over 25 years ago and that you are no longer liable. it has to be in writing. keep a copy.
2007-10-30 13:08:09 · answer #3 · answered by gonesouldirty 3 · 1⤊ 1⤋