My question involves collection proceedings in the State of: Tennessee
About a month and a half ago I received a call from a lawyers office stating that they were calling to collect on a past debt. They left a voicemail and since I have been working like mad for the past 5 or more years to try and straighten out all my past debts I called them back to find out what the call was in regards to. They stated that the call was for a credit card dated back in 1999 and it took them giving quite a bit more details than that to even job my memory as I thought this was something that had long since been taken care of prior to my divorce, etc. Well, without thinking I got all the information I could from them and in turn gave more information than I should have I realize now and even made a "good faith" payment in the amount of $100.00. I did not know, at this time, there was even such a thing as Statutes of Limitations where debt was concerned. I didn't find this out until after talking to a friend and doing some research of my own.
Well, since then I have found that the SOL for TN is 6 years in regards to CC debt and the lawyers firm that contacted me is actually what is considered a scavenger debt collector that basically buys old debts that have long since past their SOL's with the original creditor. My question is, did I screw up major by doing this & reset the statutes of limitations back to zero?How do I need to proceed with this? I have not since answered any of their calls or sent more money, but I have this suspicion that I've already crossed that bridge and it's too late to do anything but be stuck trying to pay this off.
If anyone has any advice they could share, it would be greatly appreciated. I don't need another negative hit on my credit having made it this far in the clean-up process but I am quite unsure which way to go right now.
Thank you in advance!

