Some things never seem to get better

Avatar for karenester
iVillage Member
Registered: 03-26-2003
Some things never seem to get better
2
Tue, 04-15-2003 - 1:50pm
After getting into over 40K in CC debt several years ago when dh and I were both in law school and living off financial aid, we finally paid it all off over a year ago. We have since also paid off dh's car and bought a house. Now we are working our way through student loans. (Combined we had over 300K in student loan debt, and we have it down to 275, which seems unbelievable but still, that is 25K paid off, right?) So, shouldn't things be better?

But no, AGGGGGGGGGGGGGGGGHHHHHHHHHHHH.

A bill collector called dh's parents' house last night, looking for dh. When dh was 17 he had a Texaco card, and it was eventually charged off with maybe $600 on it. Now, 17 years later, a bill collector calls dh's parents, wo still live at the same address, and tell dh's dad that he has defaulted on his Texaco card owing over $3000. He tells dh's dad this is a recent debt.

We don't even use CCs anymore. We don't even have a gas card. I didn't even know dh back then.

Legally, the debt is unenforcebale becaue 1) dh was under 18 and 2) the statute of limitations passed 13 years ago. So I am not worried about it from that standpoint.

But knowing how collectors are, since dh's talked to them, he gave them our new phone number and my name as well, and they have already called our house today. I do not want to deal with this crap again. But I absolutely refuse to pay $3K on a debt I never owed that they cannot legally enforec just because they will harrass us illegally. It was illegal to call dh's dad, to tell dh's dad about the debt, to discuss anything with dh's dad. So, they have proven they will not follow the law.

They even asked dh's dad to pay it off for him, putting pressure on dh's dad. Of course, thinking this is current adn relevant, dh's dad was very angry with us, wanting to know why debt collectors are calling him about our bills when we should make plenty of money to pay our debts.

I just don't want to have to edal with this bs again.

Avatar for mrslove2000
iVillage Member
Registered: 03-26-2003
Tue, 04-15-2003 - 2:24pm
OMG, I can totally emphathize with your situation. You are absolutely right! The Collection company had NO right or business discussing this outdated debt with anyone other than your DH. Since they have contacted you. I would write them a letter of dispute and inform them that the debt will not be repaid due to the statue of limitations has expired and the your DH was not 18 at the time. I would also put in there that if they contact you in any way, you will exercise your rights under Fair Credit Act and report them to the Federal Trade Commission. Here is a link that might help:

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.html


Good Luck!

Susan

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Avatar for mrslove2000
iVillage Member
Registered: 03-26-2003
Tue, 04-15-2003 - 3:40pm
Oops. I put the wrong link in. This should work

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Let me know if that doesn't work.

Susan

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