My question involves collection proceedings in the State of: Virginia.
My car was repossessed in 1997 1-2 days after I spoke with the creditor and sent a payment that "supposedly" would protect me from repossession. They came and got the car anyway, then billed me $4000+ dollars to pay off the debt. I NEVER agreed to pay them anything after what they did to me. The first few years they called a lot and offered deal, but I haven't heard from them since probably 2006 at least and it doesn't show up on my credit report.
Jump to March 2013, from NOWHERE I get a call telling me I still owe and how would I like to pay them. I told them they would never see a dime!
Question: How do I get them to quit calling me 6 times a day? Am I right that the SoL is totally passed? Can they still pursue legal action and how should I handle that?
Thank you so much!

