What is the name of your state? Wisconsin
I know each state has a Statute of Limitations for suits for collections for unsecured credit card debt. I wonder what it is in the State of Wisconsin??
Lots of good info below:
Standard answer on expired SOL (statute of limitation) and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.
SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)
http://www.bcsalliance.com/y_debt_sol.html
http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html
Validation letter samples you can get at :
www.creditinfocenter.com
and
www.creditboards.com
Make sure you ask for VALIDATION (and do not accept verification).
Disputes: You can write a letter of dispute to the three credit reporting agencies.
Go this website to find instructions and samples for how to dispute:
http://www.creditinfocenter.com/creditreports/
Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.
I am NOT a creditor-debtor lawyer; stand by for further help.
I am NOT vouching for the accuracy of these websites!
Debt settlement:
https://forum.freeadvice.com/showthread.php?t=293829