Accounts Receivable Management, Inc collecting on bad out of statute of limitation debt Thorofare, New Jersey

I don't know the specifics, but I'm pretty sure that saying the debt is a "leftover from your ex-wife's benakruptcy" is a bit inaccurate.

More likely, the debt was jointly owed by you and the ex. When she got it discharged in bankruptcy, it became your sole obligation.

Of course, the next question is "what about the divorce decree." Unfortunately for you, the divorce decree only establishes rights regarding the relationship between you and the ex. It has no effect on a  creditor's right to come after you for a debt that you incurred jointly. In other words, the creditor doesn't have to pay any attention to the divorce decree.

If you paid the debt, you may have a legal right to go after the ex for reimbursement. But as her liability on the debt was discharged, that could be awfully tricky.

And you are correct - merely calling you does not reset the SOL. If you were to enter into a payment agreement, that would basically create an entirely new debt, in which case the SOL would restart. This is why you NEVER make payment agreements.

However, it is not a violation of the law for a collector to attempt out-of-court collections on a time-barred debt.

Assuming that the SOL has run out, a simple cease and desist letter should get them off your back, as it would be a violation of the law for them to file a legal claim against you.

Best regards!