ARA, Inc. They contacted me at work and told me I owed a debt from 1995. Also said the Statue of Limitation in NY is 15 years for revolving accounts - wanted money and threaten to sue! Villa Park, Illinois

First, I want to thank you so very much for your response!  The guy called here again at my office and my assistant told him not to call here anymore that it is against law!  She said he was rude and nasty to her on the phone and wanted her to confirm that I am employed.  She said no and he hung up the phone with her.  I am putting together the letter you requested.  I will keep you posted!

Thank you so much for your help!

Teresa

Theresa - good for you on doing your homework on the statute of limitations SOL

Whatever you do, do not make any payments or you re-start the clock on this. 

Write them a letter - certified return/reciept - stating this debt is in fact past the SOL and they have been unable to prove this 
debt still exists or that you owe anything.   Tell them  if they call you again or attempt to obtain a judgement against you that you will sue them under the provisions of the FDCPA.

Some of these bottom feeders that buy old debt will play games and see if they can place a default judgement against you.  To do this, they must make you aware of any court dates, etc.  Don't ignore any summons if you get one.   Show up, show the debt is past the SOL and that they have been unable to provide any proof that you owe the debt or that it is not paid.  Stay on top of your credit file to make sure they don't try to sneak something in.

Good luck.  Post an update and let us know what happens.

I walked in this morning and found they called me at the office again.  He left me a message.  I did some investigation and the statute of limitation for NY is 6 years.  The message was urgent as per him.  I am starting to get concerns.  I had told him NOT to contact me at work and now causing problems.  What am I to do? This all happened in 1995.  He said I made a payment in 2002 but if this is true, I would have continued to make payments until it is paid off.  It's been 10 years now from 2002 and over 17 years from 1995.  Why don't they leave me alone?