What is the name of your state (only U.S. law)? Georgia
A collection agency is contacting me for a credit card debt that was opened in 2003. I never had an account with this company, but at the time my ex-husband did. I was not an authorized user on his account and I think they have my information on his debt. I checked my credit report and there is no activity from this on there, nor has there been from 2005. I told the collection agency this was not my debt. I am past the time frame to request validation, should I send a cease and desist letter since this debt is past the statute of limitations or contact a lawyer?
A collection agency is contacting me for a credit card debt that was opened in 2003. I never had an account with this company, but at the time my ex-husband did. I was not an authorized user on his account and I think they have my information on his debt. I checked my credit report and there is no activity from this on there, nor has there been from 2005. I told the collection agency this was not my debt. I am past the time frame to request validation, should I send a cease and desist letter since this debt is past the statute of limitations or contact a lawyer?