I agree with Mr. Adams. To protect yourself, write a letter to the collection agency - send by certified mail, return receipt requested -- asking for verification of the debt and the amount owed. Keep track (via a diary or log) of each telephone call you receive from this agency.
You should also see a lawyer who practices consumer protection law and knows his or her way around the Fair Credit Reporting Act. It could be that you will be the one serving the summons for your own complaint, not the agency.
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SOL begins running on the day the last payment was made or the last date you acknowledged owing the debt. It does NOT start running from charge-off.
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I agree with the attorneys above. This has the earmarks of a scam. Legitimate collectors will usually tell better lies. Lying about the SOL is easy to check and and amateurish because it is so easy to check. Keep your money in your pocket until you get proof that the collector actually has the authority to collect this debt AND that the SOL has not yet run. Good luck.
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There has been a substantial increase in scam activity of this nature in recent years. I would suggest doing what was mentioned by the other contributors, as well as reporting the activity to your local Attorney General- Consumer Protection office. The Consumer Financial Protection Bureau also takes complaints about potential scam activity.
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