Robert
Irvine,#2Consumer Comment
Tue, January 17, 2012
It's not like they are asking you to sign your life away, they are willing to help you.
- This from a debt collector...hilarious but not really surprising.
Sure they are willing to "help" you. They will "help" you by saying you need to pay this debt. They will "help" you by saying to just make a "good faith" payment of $50 and they will work something out. They will then "help" you by turning around and suing you for the entire debt because you reset the Statute of Limitations.
Too bad that the one thing they don't "help" you with is to explain that the SOL has expired long ago and you don't legally owe a thing.
Nc
Grayslake,#3Consumer Comment
Tue, January 17, 2012
1. The so-called debt is 17 years old!!! REALLY!! 17 years old!!!
2. The OP didn't have a Capitol One Card. Why should she pay it? She stated that she closed her accounts and paid them off.
I sure wouldn't pay anyone who contacted me after 17 years for a card I didn't have. I would send them a cease and desist letter.
Johnson23
United States of America#4General Comment
Tue, January 17, 2012
I have been an employee of PRA, the statute of limitations is up on the acct, although it is still able to be collected on. When you sign for a card you signed for charge off fees, late fee's, and interest. As far as asking for a "bill" or an statement you also signed to not allow a 3rd party any kind of itimized statement. It's not like they are asking you to sign your life away, they are willing to help you. I apologize for anyone who has been rude to any of you in the past. It's as simple as being responsible and taking care of the money you borrowed. #payyourbills
TTC Media
Hayes,#5Consumer Suggestion
Sun, January 15, 2012
The statute of limitations in Virginia is 3 years on consumer debt. A 1994 consumer debt is well past the three year limitation. Just tell them they can not collect as the statute of limitations has expired and that is all that is needed. Put it in writing and tell them that any further contact will be viewed as harassment and if they do contact you again, file charges and sue them.
ES1980
Riverside,#6Consumer Comment
Wed, January 11, 2012
I just had a situation similar to this with this company. They called me every day about a debt that was reconciled 7+ years ago with the original debtor. I sent them several dispute letters and asked them to not call me at work anymore and they claimed they never received the letters and continued to call. As soon as the BBB contacted them I got a response of OOPS we made a mistake, the account was deleted and I have not been contacted in the last 3 weeks.
voiceofreason
North Carolina,#7Consumer Comment
Wed, December 07, 2011
Check your state laws. Most likely, assuming it was legit to begin with, the statue of limitations long expired that debt legally. That doesn't mean whoever now owns the debt can't try to pester you for it, but they won't be able to get any judgment, and they have to stop harassing you legally if you tell them to leave you be.
If you can't find definitive information online, ask the office of your local state legislator or DA if they can tell you.
Many lenders have been digging up ancient unpaid debts and defaults, selling them to credit collection agencies for pennies, meaning a lot of people are now seeing these old ghosts returning.
It could also be a scam attempt.
anonymous
Phoenix,#8Consumer Comment
Wed, December 07, 2011
I would like to have more information about what happened to you.