I am here looking for a little advice. A little over 2 years ago I got a letter saying I owe about $400 on an old utility bill. The company that I owed it to is now part of a merger and I don't really know how to prove I paid it. This was 11 years ago that this payment went bad(or at least when I lived at that address). So I went to my credit report and there were no negative factors on my credit report. So I called Asset Acceptance and said I wrote out a check and will send it as soon as they send me some information on this money I "owe". I haven't moved or anything and I heard NOTHING for over 2 years
Yesterday I received a letter on the same debt. It states:
We believe you have recently obtained a new credit card. You can settle this obligation with your new credit card. If you do this by Apr 5 you can receive a 25% discount. So again I called them and said "look I asked for info on this 2 years ago and never heard a word from you until now". He said "we are traded on the stock market and have been around since 1962" I said, that is great for you, but I am not sending anything until I receive some info MAILED to my house". He never agreed to send it, and I never agreed to pay it. I told him there is really no reason for me to pay it because this debt is expired and I really am not sure if it's legit. He just said they will keep sending me a letter then... and that was about the jist of the conversation aside from some details below.
Here are the only things I really know. They grabbed this debt in 2006 and the debt occured sometime in 1999. So that is about 7 years. I am in Minnesota and I think the SOL here is 6 or 7 years....
Is sending a "cease communications" the right thing to do??? I mean, I have asked for the particulars on this 2 times and they dont agree to send it...
To me, this place sounds like a SCAM living on the prayer that they can scare people into paying debt that either doesn't exist or is really old.
Anyone out there with any advice? I would be very thankful to hear some options/opinions.
thanks from MN!