Ok, I believe the statue of limitations is 4 years in Cali, which means my original creditors have charged off my accounts, since this all happened in 2001-2002.
I am still being harassed by phone by one die hard collection agency and another by mail only.
Since the statue of limitations is up, do they have the right to continue badgering me? If so, for how long?
Also, I would like to get a free copy of my credit report to make sure that what is listed on it is correct, but if I request it, they will then have my current address and I open myself up for the collections agencies who have bought my debts and who have stopped harassing me to begin harassing me again, am I correct?
How can I get my credit report without opening the possibility of being newly harassed by them having current info for me?
I have been unemployed and cannot even afford to file for bankruptcy!!!
Please help! I appreciate your answers and quick response. =)
One more question.. can a person's wages be garnished if a debt is past the statue of limitations and has been charged off if there is no judgement against you?