discharged debt showing up after 13yrs?

I live in Texas. I have received notification that I owe a debit (Credit Card) that was written of as a bad debit in 1990 the account went inactive 1986. It hasnt shown anywhere as active on any credit reports and there are no judgements filed. How am I to respond to this inquiry? It was part of debits owed in a prior marriage. Please help

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by Firewolf:
I live in Texas. I have received notification that I owe a debit (Credit Card) that was written of as a bad debit in 1990 the account went inactive 1986. It hasnt shown anywhere as active on any credit reports and there are no judgements filed. How am I to respond to this inquiry? It was part of debits owed in a prior marriage. Please help<HR></BLOCKQUOTE>


My response:

It's a collection agency, isn't it?

They are trying to collect a debt, and they hope they can fool you into paying it, hoping that you don't realize that the Statute of Limitations has run out, years ago, which is 4 years on a written contract, or 4 years on an "open account - e.g., credit card", from the date of last payment. Tell them to "go pound sand on the shores of the Gulf of Mexico."

IAAL


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[This message has been edited by I AM ALWAYS LIABLE (edited July 19, 2000).]

[HomeGuru]

<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by I AM ALWAYS LIABLE:

My response:

It's a collection agency, isn't it?

They are trying to collect a debt, and they hope they can fool you into paying it, hoping that you don't realize that the Statute of Limitations has run out, years ago, which is 4 years on a written contract, or 4 years on an "open account - e.g., credit card", from the date of last payment. Tell them to "go pound sand on the shores of the Gulf of Mexico."

IAAL

<HR></BLOCKQUOTE>

I would tell them to go golf in the Gulf or take a long walk down a short pier.

<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by Firewolf:
I live in Texas. I have received notification that I owe a debit (Credit Card) that was written of as a bad debit in 1990 the account went inactive 1986. It hasnt shown anywhere as active on any credit reports and there are no judgements filed. How am I to respond to this inquiry? It was part of debits owed in a prior marriage. Please help<HR></BLOCKQUOTE>

Whole heartedly agree with the last responders. In addition file a complaint against them if it is a collection agency collecting for them. You can learn how to do that from this article and the links it gives you to information on the ftc site.

[url="http://www.prairielaw.com/articles/article.asp?channelId=5&subId=52&articleId=1345"]Rules of Debt Collecting[/url]

Law on, Kevin

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Kevin O'Keefe
Founder & Fearless Community Leader
[url="http://www.prairielaw.com"]Prairielaw.com[/url]
"More people helping people with the law than anywhere."

[This message has been edited by Prairielaw (edited July 23, 2000).]