Credit collection after discharge - please advise

hi,

a collection agency has sent me a letter trying to collect on a debt that was discharded by MBNA way back in 1993. they said that their agency bought the debt. what kind of recourse do i have?

any advise is appreciated.

newkid

i've read some of the past postings regarding statute of limitations and that mine has already passed (4 years in California).

i want to know if the collector can re-post this debt on my credit report, even if it's been discharged in 1993.

thx all... hope to hear from people like gottago and JenniferH and any other with additional knowledge.

[JETX]

WHERE ARE YOU???
Where was the note entered into??

Also, you say that this note was 'discharged'. How? By who?
Do you mean 'charged off'??

i'm from california, and yes.. it was charged off in 1993. sorry for forgetting to include the info.

newkid

Send the collector a certified, return receipt letter. In it, tell them that the SOL has expired on the debt, and that you do not want to receive any further correspondence from them concerning the matter.

If they put it on your credit report, you may have grounds to sue them for violating the Fair Credit Reporting Act.

thanks you, gottago!