I was living in Ohio from 1990 to 2000. I had a home phone bill I disputed back in July 2000 which I did not pay. It amounted to like $4000.
In August 2000 I was transferred out of the country for work and I gave them my new overseas address. The last bill I paid was July 2000 still on dispute. The phone company did send me the bills for a 3 months but I told them it was disputed and then they stopped. In December 2002 I received a letter from CBA telling me that the debt was referred to them.
I wrote back asking for verification but they did not send back anything. They posted the following in my credit history : Date Opened 12/2002 and the same date for Date Reported. I just kept quiet. I had left my address for my credit cards at a friends address in another state.
In 2003 I noticed that they posted the following after selling the debt to Asset Acceptance. Date Opened 08/2003 and Date Reported 06/2004. Credit acceptance called my friend's place asking for me but he told them I do not live there. I did not hear from them till today.
I moved back to the States and got a place in Kentucky as a student. I have no property and no loans. I rent from a friend. I only have a checking and saving account and that also with little money. I am on a scholarship.
Today I got a call on my cell phone. I didn't take the call but they told me in the voicemail they were asset acceptance debt collectors. The last time I paid any bill for this account was July 2000 before it went into collections. Can they do anything?
I think the Statue of Limitation for Kentucky is 5 years and Ohio is 6 years for open accounts. (Is it 6 years for Ohio?) Does phone bills fall under open-account catagory for both states?
It's just over 6 years and they called today. What should I do next time they call? Can they seize money from my bank account? Both savings and checking accounts?
What do I do when they call me again? What do I say? What direction do I go in? I don't have much money. I'm just a student. Help please!!!