I received a call from a debt collector for a $1,000 credit card debt in another state as a teenager. At the time, I could not afford to pay it off but I was never taken to court or anything. I recently tried to call the collection agency to ask for a reduced payoff amount. They would not give me an amount without my bank account information. I offered to send a money order or Western Union and they refused saying a checking transfer is the only way they do business. I know it is my debt, but it has been since year 2000. The repeated phone calls on my cell phone and these silly games make me angry enough to refuse to pay a dime. I'm not giving my bank info to them. What should I do in this situation? Thanks in advance for any advice you can provide!
I agree with the previous response. Additionally, if the debt is barred by the statute, the creditor maybe in violation of federal law and a local attorney familiar with debt collections may be able to get sanctions.
You should consult with an attorney in your State fimilar with debt collection. Depending on the State where you lived when you incurred this debt the collection may be barred by a statute of limitations.
Attorney Sternberg is admitted to the practice of law only in the State of Ohio. His answering of this question does not constitute an attorney client relationship, nor can his answer be relied on since the question does not permit Attorney Sternberg to seek additional information necessary to render an legal opinion.
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