My question involves a consumer law issue in the State of: Pennsylvania
In 2001, we purchased a timeshare. It was for 40 weeks, not an actual deeded contract. We paid it off very quickly and then shortly after were notified that they were nearly doubling our maintenance fees. Immediately, I contacted the company and they refused to change it so we told them that we no longer wanted this timeshare because we were scammed. We then sent it in writing. We received a phone call from Meridian Collections last June about this matter and we explained to them that it was cancelled so many years before that and why are they contacting us now?
I went bankrupt in 2001 and my husband unfortunately went bankrupt last year. On both instances the trustees were notified of this contact, just in case and then also because of the phone call.
I was denied credit recently and ran my credit report and found that Meridian has split up all of these fees and placed 3 separate collections charges on my report. All stating that they are new accounts as of June 2010. I called to dispute the charges and was told by the Experian Credit Bureau representative that yes, they can continue to charge me and every other year when they charge a maintenance fee, the debt is considered new.
Here's where I'm confused:
The debt is older than 7 years, although it was cancelled by us in writing over 9 years ago. The statute in PA is 4 years and it's only supposed to show up on your credit for
7. Right?
We both have been through bankruptcy since.
How can they legally still come after us?
Can they really keep charging us maintenance fees for the rest of our lives on something that isn't even deeded?
The worst part is that we moved last year and I threw everything away because it's been so many years, I didn't think I still needed it.
Please help!

