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  1. #1
    Join Date
    May 2011
    Posts
    4

    Default Debt Collection After Expiration of Statute of Limitations

    My question involves collection proceedings in the State of: Texas

    First, thank you for taking the time to read my question.

    I had a cell phone account with Sprint in 1998. I was a young adult, suddenly single and left with many bills I could no longer afford with a single income. The account was written off later that year. The account was sold to a collection agency (may have even been sold a couple of times???), but all instances of it vanished from my credit report in June of 2010.

    I opened an account with Sprint in February 2009, but closed it 10 days later as the service was weak in my home area. Sprint shows this as a separate account, paid in full/zero balance.

    I pull my credit report each month through Amex credit monitoring services. From June 2010 until April 2011, nothing negative had been showing, and my credit score was strong. Then, this month I discover an entry for a collection account indicating it the consumer account they are collecting upon was opened January 2010. Also, it shows that the "date reported" was February 2011.

    I've contacted Sprint and they've advised me that the old 1998 account was written off, and zeroed out. They've also advised that the account I opened and held briefly in 2010 was zeroed out, paid in full in good standing.

    I was told by a friend that a collection company can attempt to collect on a debt for as long as they want; however, it's unable to impact your credit negatively once you've exceed the statute of limitations based upon when the account was opened.

    I have not received a letter, phone call, or any other communication from ANY collection agency (or Sprint) in probably almost 10 years.

    The collection agency is a small, local, rinky-dink office and I want to be armed with the right information before I reach out and attempt to resolve this. I've received documentation from Sprint indicating that **both** accounts are in good standing (yes, even the one that's in question from 1998).

    Can you provide some direction? Please let me know if you need any addtional details to provide assistance.

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