My question involves collection proceedings in the State of: Indiana
I have tried reading through all of this information and I am over-whelmed. In Jan of 07 I was contacted by a debt collector over a credit card debt. I wrote a letter disputing the claim and requested that they provide me with paperwork they had to substantiate the claim. Their reply was it was a sears card opened in 1993 and charged off in 2003 (this was their proof of their claim). At that time the amount was around $1000. I also sent them a letter to cease and desist any communication except by mail. Last communication was 9-07.
4-09 a different debt collector has contacted me and now the balance is $1,600. I just sent them the same letter requesting the paperwork and to cease and desist.
Is there some sort of time limit on this or by the time I am 80, will I owe, $20,000
Is there anything I can do?? I need simple instructions

