credit collector laws?

Question

one credit collector called me two or three yrs ago to collect one of they so called it "unpaid debt" from cingular. i never acknowledged of thaht debt, nor did i receive any bills from cingular, i called cingular after that, and they told me i did owe that much, so i asked them to send me a bill and describe what it was for. I cancelled my cingular long time ago maybe 5yrs ago beco'z the bill came out a few hundreds, i was very mad and paid everything off at once. I remembered it so clearly that i paid it off.. and one yr later, my credit went bad.. at the time i didn't know the reason.. so after 3yrs ago, i got the call from credit collector, everything's cleared, but i requested for the bill from cingular, they never sent me and this yr, i requested, they never got back to me.. i wonder if they will ruin my credit again. . i wonder if there's any laws protect consumers.. i read an article a few mins ago saying if the debt's 4yrs old, they cannot collect from u again, is it true?

Answer 1

Regarding your last question, each state has a Statute of Limitations on how long a debt is legal. Go to the link below and look up your state.



The first thing you need to do is get those silly collection agents off your back. To do that, use the sample letter below requesting that they "validate" your debt. That means they must send you a copy of the bills, contracts, and anything that was used to calculate the debt you owe. If they don't supply you with that information, they can't keep the negative report on your credit history.



Send this letter to both Cingular and the collection agent. If they do not respond back in 30 days, send a copy of that letter, plus a letter demanding that the report be removed from your credit history, to each of the credit reporting agencies. That will get it off your records.



Now, what I'm going to bet is one of two things happened. They either messed up your last payment and didn't enter it correctly (you do have a copy of the canceled check, right), or you are being billed a fee for canceling your contract early. All of the cell phone companies have a very large termination fee, and there is no easy way to avoid it. It's right there in the contract you signed.....



....which is why you are sending them that "validation" letter. No contract = no legal agreement to pay them.



So make them prove your debt or leave you alone!

Answer 2

you owe the debt, the debt in no way is going away, really over those years your account nevertheless incurred overdue prices. Now you should seem in courtroom and educate that you owe that and that the account is yours and pay the finished volume. in case you've been in a foul mission on the time they could provide help to make funds, yet, for sure, the account is closed now so that you won't be able to use it anymore. ok, so that you've made your self a foul mark on your credit document which will halt you from getting extra credit, so that you want to remedy that. keep in mind that once you move to show screen for a job employers do verify your credit document and when you're irresponsible then you definitely would no longer get the reliable pay that you want or the region commensurate consisting of your education, or would no longer strengthen and also you may ask your self why, nicely it must be because of your credit..

Answer 3

Each state has thier own laws, just do a search with your states name and collection laws ( missouri collection laws ).