What is the name of your state? Oklahoma
I have an old credit card debt that is about 5 years old. To our knowledge, the SOL is up on this account. The last time I heard from a collection agency on this account, was back in 2002. I had asked them not to call me anymore, and they called anyhow. I have not heard from anyone on this account, since reporting the last place that harrassed me to the BBB.
Until about 2 weeks ago, and I started getting letters from yet another collection agency/law office. They have also called a few times, demanding that I "return their call today!"
The account was opened in January of 2000, and we got behind on payments when our son was diagnosed with Type 1 diabetes, and we had to buy supplies for that. I tried to make payments, but just couldn't, and thats when the account went downhill. I tried to work with them, and have tried to work with collection agencies that first obtained the account. I received a letter today in the mail telling me that I had 3 options: One--pay the debt. Two--pay it with my tax return(like they know how much I am getting back), or three--call and make payment arrangements on it. In the past, on a separate account, we offered to make payments, and that was refused, and we were told we had to pay whatever they said. I've learned not to converse with these people on the phone, to avoid the extra stress--there's enough stress just getting the calls in general, and mail from them.
What should we do????????????