A Collection Company is Trying to Collect a 10 Year Old Debt With a Small Balance. – Melissa

“Dear Jeremy,

Had a $300 balance on a credit card which was paid off from funds from a refinance 10 years ago. The payment was dispursed along with other payoffs. The payoff was sent directly to the credit card company and not the collection agency that was trying to collect the funds at the time.

Now I am receiving calls from the collection agency saying I still owe the money. Is there a limit on time that someone can try to collect? It is very difficult to find records from that long ago and I am sure the title company would not be able to find records.

This sounds like a scam to call and try to collect on something so old. Most people would not have proof of payment and probably get frustrated and just pay it to stop the harrassment.

Is there a limit on time that a collection agency can try to collect?


Dear Melissa,

Your situation demonstrates how desperate some debt collectors can be. The account is 10-years old, a mere $300 and has already been paid off. These people should definitely leave you alone. If a debt collector knowingly tries to collect a debt that does not exist, that will violate the FDCPA. You would have the ability to file your own case against them and obtain money damages and have them pay your attorneys’ fees.

Jeremy Golden, Esq. is one of the resident debt experts here at GetOutOfDebt.org that helps people for free. Jeremy is a consumer rights attorney licensed to practice in California. He represents individuals in cases against debt collectors for violations of the FDCPA. He also focuses on defending people in collection cases who have been sued by their creditors or debt- buyers. In the last five years he has won at trial or obtained a dismissal in over 200 collection cases. Recently he was voted one of San Diego’s Top Attorneys in the field of Consumer Law by SDMetro Magazine. His website is goldencardona.com

Legal Disclaimer: This is for educational purposes only. It is not to be relied upon as legal advice. It also does not create an attorney-client relationship. No such relationship is formed with attorney without a written agreement.

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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