jeffreybaks
Junior Member
I have got some calls recently about an overdraft that happened in 2007 and the last activity I had on the account was in april of 2007 in idaho. A few months back I got some calls from a credit agency, see I get debt collection calls quite often I just told them kindly not to call back as I know I have no bad marks on my credit report which I check regularly. I know the SOL on idaho written contracts is 5 years, i accidentally called the number that was given to one of my relatives to whom I'm currently residing with and it was for a law firm claiming they were filing a case on me and that they were going to proceed without me. I talked to one of there representatives of the law firm and told him about FAIR debt collection practicing acts and that i was going to plead SOL in court. I know on my credit report there is nothing showing about any of this. It has to do with a US bank account and overdrafts. Was it a big mistake to call the number to the law firm, isnt what there doing illegal in re aging my account which has been SOL over 2 years now? I haven't been served any legal documents and the firm that has the case is in california, Ilive in nebraska currently. The total cost of the overdrafts was 1200 and there saying I owe 4200 now from interest and court costs which is beyond insane. Iv waiting a long time to get past my situation back in 2007 and it feels like there re aging old accounts on me and its not FAIR DEBT collection tactics.
Does it seem odd that first some collection agencies would call 7 years after my last activity on my account then 6 months later a lady I have no clue or association with calls saying a law firm in california of all places is filing a case against me. Thats not the only odd thing tho, this lady didnt call me cause as I say I know when not to open my mouth, the first time she called at the house I kindly told her not to call back cause I know my self that re aging an account would be a very unwise choice if I took it upon my self but she had the nerve to call my relatives phone whom has nothing to do with this and leaves the message on there phone, and no one calls that cell phone ever that my relative dosn't know so how this lady got the number I have no clue. It feels like Im living in a third world country from these tactics of debt collection and frustrated that people can harm my reputation and image over some overdrafts on an account 7 years ago.
Does it seem odd that first some collection agencies would call 7 years after my last activity on my account then 6 months later a lady I have no clue or association with calls saying a law firm in california of all places is filing a case against me. Thats not the only odd thing tho, this lady didnt call me cause as I say I know when not to open my mouth, the first time she called at the house I kindly told her not to call back cause I know my self that re aging an account would be a very unwise choice if I took it upon my self but she had the nerve to call my relatives phone whom has nothing to do with this and leaves the message on there phone, and no one calls that cell phone ever that my relative dosn't know so how this lady got the number I have no clue. It feels like Im living in a third world country from these tactics of debt collection and frustrated that people can harm my reputation and image over some overdrafts on an account 7 years ago.
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