Capital Management Services, LP Capital Management Services said we had Debt, but we don't! Buffalo, New York

There is a statute of limitations for credit card debt, which is the amount of time that they can successfully take legal action against you for the debt. This time period varies for each state. You can find this time period for your state by going to the link below and looking under "Open Accounts."

http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml

If the number of years since you defaulted on this account and stopped making payments on it is greater than the number listed for your state, then they can no longer defeat you in any court action because the debt is  time-barred and you dont have to pay it back.
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This debt is probably time-barred and you don't have to pay it back:

Technically, a debt collector can come after you forever for defaulted debt...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act, you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.

Send the collection agency a letter via Certified Mail + Return Receipt (NOT regular mail) stating:

Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped.
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-   By themselves, debt collectors have absolutely no legal power over you.,
- Stay off the phone...if they call...hang up

I read your report on Capital Management Services,and I think I might be able to help you with some information. First, let me say, that whenever a consumer gets a credit card,or any line of credit;part of the terms of agreements normally includes the ability of the credit grantor and its affiliates to report and update your credit report. When your husband initially opened the card he agreed that from then on the original creditor and the collection agencies that collect on the debt have the right to obtain his credit report until the debt is paid and his credit report updated.