My question involves collection proceedings in the State of: Oklahoma.
I received a call today from a collector that said I had a debt with a major cell phone provider. They informed me that the debt was incurred late 2008. I do not recall having used the provider but have no clue about the debt they spoke of. The offered to settle for a single payment of $516, 4 monthly payments of $218, or take it to court for a "Judgement" and pay $1400+ along with court fees and such. I spoke with them for a little while and never admitted to the debt. They told me it was on my credit report a few years back and was informed that it was sent to collections in Oct 2008. They said the debt was sold to another debt collection agency and should have shown up on my credit report sometime in the last 5 years. I told them that I got a yearly credit score and report every year for the last 5+ because I had bought a house, financed two new cars, and financed multiple items ranging from 1-1.5k. At no point did any cell phone debt, or anything pertaining to it, show up.
I was concerned and asked as much as I could and when the topic of court came up, I was provided very little information. What I want to know is if this is a valid claim on their part? Am I liable for a debt I cannot recall, nor has shown up and/or affected my credit? SOL in Oklahoma extends up to 5 years, with the exception of open contracts (for OK, this seems to mean only credit cards.). Should I just pay their one time payment/monthly payments or fight this case for this judgement?
Thanks,
Alex

