I had a law firm call me and say I was being sued for a debt I owed and that medical bills can remain on your credit report for up to ten years instead of the usual seven years for other bills. Is it true that medical bills can stay on a credit report up to ten years in Florida? And I've been looking at my credit report for one or two years and never saw that debt on it. He maybe mentioned something about the debt being a double negative and if it becomes that the credit bureaus can't post it on your report.
No. The Fair Credit Reporting says derogatory items, such as delinquent debts, may not be reported more than 7 years plus 180 days after the first delinquency. That is probably why the account does not appear on your credit reports.
This sounds like a debt collection tactic to scare you that the obsolete account will be reported to the credit bureaus if you do not pay.
You should contact an experienced consumer lawyer who can advise you if your rights under federal and Florida law.
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