'Time Bomb'
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risqué (and frisqué), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
I need advice. I got a collections letter saying I owe Sprint money from 1998. I don't know what this could be about and I looked at my credit reports and there's nothing on them about Sprint.
I talked to a rep on the phone who did say that my debt had been purchased by the collection agency and that Sprint would no longer have records.
I'm not sure how to dispute this or if saying it's not my credit report is enough to dispute it.
Have a look here: [link] They are required to prove there is an actual debt, in writing.
Also, 1998 is very likely to be way over the statute of limitations. It looks like in FL, that would be six years. This smells like a scam of some sort to me.
askye, as flea says, that debt is way beyond the statute of limitations in any state. Debt collection companies buy debts for pennies on the dollar and harass people for payment even when the debt is too old.
Clark Howard says to send a drop-dead letter [link] by certified mail, return receipt requested. Do not talk to them, except to say that you do not acknowledge the debt and that the debt is beyond the statute of limitations.
I'm wondering if this is some kind of mistake or if this was some kind of zombie debt of some kind.
I found a sample letter that asks for a lot of info including that the statute of limitations has not expired. I'm going to use that as my basis to send to them.
I wouldn't engage too much with them, askye. They have no right for any information from you, because you do not owe the money.
Flea and Ginger thanks.
I'll send the drop dead letter.
It's a shame there are so many people who hear "you owe us money" and panic. Plus the bill collectors always do things like, "You admit that you owe this money, right? Even if the statute of limitations is past, don't you have a duty to pay your debts?"
I honestly don't know how people can stand to make those calls.
Tomorrow evening, the family Tea is heading off to China for a fortnight. We'll be staying with WB's parents. No great sightseeing plans, this is more about a family catch-up, and a chance for Ryan to meet more of his rellies on his mother's side of the family.
Currently I'm worrying about how Ryan will cope with the flight. It's a long time in the air. It's overnight, so with luck he'll spend most of it asleep, but it's uncharted territory.
BT - how old is Ryan and has he flown before?