John
Louisville,#2Consumer Comment
Mon, February 01, 2010
It doesn't matter...debt that's 10 years old is time barred even without the Chapter 7 filing...These people are powerless over you...tell them to get lost. Per the Fair Debt Collection Practices Act, you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.
Send the collection agency a letter via Certified Mail + Return Receipt (NOT regular mail) stating:
Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped.