New here, hope to find some help. I have an account that is from 1997 and charged off by 1999. I have had NO contact since 1999 with them. No payments or anything because I was making payments in local branch office back then and they werent posting the payments on my account, even though I had receipts. I have all these years still gotten collection letters. I know the account has been bought out at least 9 times. I live in the state of NC, what are the statue of limitations for my state? They have been leaving messages that they are going to garnish my wages, which by my research I don't think they can, they threaten to sue me over it but I was told SOL is 7 years for my state. Every company pulls my credit report and this last one pulls it MONTHLY which inturn lowers my credit score. ALL the bad credit I had is off my report I have PERFECT credit, have since 1999 not 1 past due payment nothing. So what can this company do, can they still sue me after all these years, and is it legal to pull my credit report monthly?