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  1. #1
    Join Date
    Mar 2013
    Posts
    3

    Default Debt Collector is Trying to Collect a Debt Previously Written Off

    My question involves collection proceedings in the State of: New Jersey

    I received a form that I filed with my tax returns in 2011 about a particular alleged debt of 1100. I filed the form as unearned income with my tax return.
    Now there is another attempt to collect the same debt.
    In researching, I came across this:http://www.fms.treas.gov/debt/MFR/chapter7.pdf on page 4 is a chart and it defines write-offs, and terminations, and close-outs with close-outs being listed as NONCOLLECTABLE. I'm right aren't I?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,844

    Default Re: Debt Collector is Trying to Collect a Debt Previously Written Off

    If you are asking whether the lender's writing off the debt in 2010 prevents them from later collecting the debt, no it does not - but they will have to report the associated taxable events. (We had a bit of a discussion of this issue a few months back.)

    Odds are this is a junk debt buyer. Also, there is a possibility that the statute of limitations has run. But to comment on any of that you would need to share some details.

  3. #3
    Join Date
    Dec 2008
    Location
    Calif
    Posts
    289

    Default Re: Debt Collector is Trying to Collect a Debt Previously Written Off

    That's the bad thing about debt settlement, a third party debt collector can still come after you, even after you've paid the taxes. Being judgement proof (collection proof) does have its benefits.

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