Collection Calls from Charged Off Credit Card
I now live in Ca, but at the time Oregon. American Express closed my account in 1996 and charged off the balance in 1997. I have just started receiving collection letters and phone calls from a collection agency now in 2007. Help. They of course are calling every day and sending letters that if I don't respond the debt is valid. Any suggestions? Can they keep calling? Any help would be appreciated. Thanks.
Re: Collection Calls from Charged Off Credit Card
A charge-off is meaningless in terms of debt collection, but a ten-year delay should put you past the end of the statute of limitations in either Oregon or California. I suspect the debt was recently acquired by a junk debt buyer who is trying to collect money, even though the statute of limitations has run.
This thread has a sample letter you can use to try to get the collection agency to stop contacting you.
Re: Collection Calls from Charged Off Credit Card
Thank you so much for your response and the thread for the sample letter. It is greatly appreciated. D