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10 year old Phone Bill Charge- Texas

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Steelman
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Subject: 10 year old Phone Bill Charge- Texas
 
Posted on Sat Oct 13, 2007 5:14 pm  

10 yrs ago I had a $400 billing dispute with the phone company that was settled 3-4 mnths later when they admitted that the wrong long distance rates had been charged to me. I had received a collections letter prior to that.
After the matter was settled, I had no problems for 10 yrs, no adverse credit reports nothing..then last week, I received a letter from a collection agency that I owed them over $4000 for that bill.

Can they even do that when I dont have any outstanding debt to the phone company?? Also, teh SOL for texas is 4 yrs. Can i write back to these guys I tell them that?
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



37183 Magic Points

 
Posted on Mon Oct 15, 2007 10:28 am  

First ask for a debt validation. Sometimes these CA's have no idea about the debt that they are collecting. I am sure they cannot collect on this debt because
    you have already paid it (assuming you have all the written documentation of the same)

    the SOL is also over, you are no longer liable to pay if at all you owe. However in case of any monetary transaction the SOL will reopen.


So once they are back with their validation (which I am sure they wont br able to provide with), provide them with the required docs. Remember always keep copies of whatever transactions you make.
_________________
Regards,
Laura.
Alex

Alex

Joined: 29 Jun 2006
Alex's page
Posts: 12



768 Magic Points

 
Posted on Mon Oct 15, 2007 10:35 am  

Hi Steelman,

The SOL of your state is 4 years in all the cases
*Oral agreements
*Written Contracts
*Promissory Notes
*Open Accounts.

Know these things:
1) Send a validation letter to them without which no deal can happen. They have to validate the debt.
2) You have paid your debt a long time back. Do you have all the communications and papers recorded at your end? Then tell the agency to stop collecting on this debt because its invalid and you have paid it in full.
3)Dont pay even a penny to them...that will open the SOL.

Hope this helps...keep in touch.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



623 Magic Points

 
Posted on Sun Nov 04, 2007 1:11 am  

Alex has given you some real good advice, this is probably just a collection agency hoping that you don't know the statute of limitation. Don't pay them a dime.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



623 Magic Points

 
Posted on Sun Nov 04, 2007 2:56 am  

Just curious, who is the collection agency that is calling or writing you? I am wondering if they are a junk debt buyer?
donyale trotman
Guest






Subject: old bill
 
Posted on Mon Jul 28, 2008 10:37 am  

i need my old bill
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



142 Magic Points

 
Posted on Mon Jul 28, 2008 3:09 pm  

Can this person get it deleted due to SOL. I think these old debts are ridiculous. Who keeps documents for 10 years? I have recently started keeping mine after reading posts like this.
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 547



-100 Magic Points

 
Posted on Tue Jul 29, 2008 2:20 am  

This is nuts, especially since the bill was paid some time ago, how does it show on your credit report?? or does it at all?
fireyone



Joined: 26 Feb 2008
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Posts: 4246



142 Magic Points

 
Posted on Tue Jul 29, 2008 12:09 pm  

That is what I was wondering. Surely if a debt that old is listed someone at the credit bureau would take note of the debts age and file 13 the debt.
JPolito830



Joined: 21 Jul 2008
JPolito830's page
Posts: 25
Location: Richmond, VA


908 Magic Points

 
Posted on Tue Jul 29, 2008 3:33 pm  

So it is still showing up on your credit report?
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Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Wed Jul 30, 2008 3:59 am  

Old thread is now locked.
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I don't dream since I quit sleeping
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