My husband has a debt collection agency calling about a cred

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donajoe44

Joined: 10 Aug 2009
donajoe44's page
Posts: 1

27 Magic Points

Subject: My husband has a debt collection agency calling about a cred

Mon Aug 10, 2009 11:38 pm

My husband is receiving calls from a debt collector for a credit card debt in 1989. This has been going on for several years; unfortunately, I have never kept track of the calls. At first they would not talk to me so I could not get any information (my husband was in the hospital). Finally, someone told me that a payment had been made in 1989, but not what it was for. I told them that he had been incarcerated in 1989, so he could not have made a payment. I am still getting calls, and now someone wants to talk to me. Can they still be calling after all this time?

brokenmotion1

Joined: 11 Aug 2009
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Posts: 5
Location: Seaside Heights, New Jersey

210 Magic Points

Tue Aug 11, 2009 10:18 am

That's odd that they would be calling after 20 years. Credit/collections fall off of your credit report about 7 years after the last activity on an account. Since a payment hasn't been made since 1989 that account should be long gone. I'm assuming the creditor can still pursue the outstanding debt, but it can't effect the credit.

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