I was contacted by a collection agency regarding a First Card Visa that was opened in 1991 and closed as a charge off in 2006. They just contacted me yesterday and it’s 2013!
Can they still collect from me even though it was a charge off?
I am aware that collections is big business and they coming out of the woodwork to collect anything they can.
I was contacted by a collection agency regarding a First Card Visa that was opened in 1991 and closed as a charge off in 2006. They just contacted me yesterday and it’s 2013! Plus, I have checked by TRW and cannot find this account.
Can they still collect from me even though it was a charge off? What actions should I take, if any?
They can certainly attempt to collect from you but if the account is time barred or outside the statute of limitations then they can’t sue you. You’d need to check with an attorney that is licensed in your state for information if they are prohibited to sue.
But it sounds like this is a debt that has been passed from debt buyer to debt buyer and the reality is they probably don’t have the documentation to collect. See How to Dispute and Ask a Debt Collector to Validate a Debt before you admit to the debt. Let’s see if they can even prove this is a valid debt.
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