If a company has charged off a debt that you had with them....?

Question

can someone else come back years later and legally take you to court over this....it has been over 7 years....what about the harassing phone calls what can you do about those...I mean 5 or more times a day .....

Answer 1

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Answer 2

Technically yes, the can assign or sell the debt to a collections agency who will attempt to recoup the money owed.

What you need to do is learn your rights under the FCRA, FDCPA and any state laws. Demand validation of any and all debts, make them PROVE you owe it. Also, know the statute of limitations on debts in your state.

Answer 3

Start by telling them to contact you in writing.

Get their address and send them a letter, in which you ask for proof of the debt.

A charge-off should not come back to haunt you.

Get your credit report as well.

And read up on credit collection laws for your state.  Your state protects you from these people if you are informed.