
Quoting
xyzsf123
I received a voice mail to call back a collection agency.
My old debts don't show up in my credit reports anymore. It's over seven years since the last activity on the cards. I live in California. And I believe the debt is part the statute of limitation.
1) Do I contact the collection agency and get the basic info --- creditor, account/name/amount and then write them a certified letter and say:
This debt is past the statue of limitations and no longer legally collectable.
Please stop all forms of communication to me.
2) Will my communication/letter put back an entry (novation) on my credit report?
Thanks in advance.