The Cadle Company, Cradle Company They are trying to collect on an account that was resolved 15 years ago. Newton Falls, Ohio

Hello,

First of all, you may want to check with several state government agencies in your state to see if they are legally licensed/authorized/etc to do business in your state.  In most states, collection agencies are regulated by that state's Department Of Insurance and must be licensed with the state through either the Department of Insurance, etc.  I would start and check with that agency first of all.  Your state's attorney general can also tell you which state agency regulates collection agencies if the DOI does not do that in your state.  You might also want to check with the Secretary of State to see if they are a licensed corporation as well.  If they aren't licensed to do business in your state, and in fact they are doing business, I would file a complaint with the appropriate state agency.  The state will take it from there!

In our state, collection agencies must be licensed with our state's department of Insurance.   I will check and do the same.

Best of Luck to you!

You owe NOTHING, after 14 or 15 years later  (Your words) this is FAR PAST Any Statute of limitations, they're hoping you don't know this, and are hoping you're gullable.

Write them back and tell them you know this is beyond the statute of Limitations and Ignore any threats, they can't do anything but threaten and Lie.

They are scamming you.

And they Cannot threaten or post ANYTHING on your credit report without being arrested  themselves or lying about the dates. If they do YOU can arrest THEM (They know this).

Please report back here after.