I have a junk debt collector who bought a debt from a previous creditor of mine. The previous debt occured years ago, and the last payment was made in early 1999.
According to the letter they sent me, they are requesting that I send a payment or the arrangement I made with them will be void and the entire debt will be due. I have not made an arrangement with them.
I went online and got copies of my credit report from all 3 agencies, and I do not have a debt listed on my credit report from this debt collection company.
I do see where they got a copy of my credit report last year, and october of this year.
The SOL for my state (Alabama) is 3 years. It's been well over 3 years since I made any attempt to pay this debt.
Do you know what my next step should be to stop this creditor (NCO) from calling me? I've heard of a cease and desist letter, and my question is, if I send them one, will they sue me?