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First, it's not me. But a friend has a medical bill from 2008 (hospital) that is 1200 bucks. He never knew of it until two years ago when he had his credit checked to buy a car. Fast forward to today he gets a phone call from somebody claiming to be a lawyer and saying that they hospital is going to sue him if he doesn't pay. Can they legally do this, or do you guys think it's a scare tactic from a debt collector?
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Past the statute of limitations. Send them a FOD letter -
Ok, what is a FOD letter?Comment
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Fuck off & die letter.Comment
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"Fuck Off and Die," though I wouldn't necessarily use that wording verbatim.
It won't fall off his credit report, and they can still try and collect, but they can't sue after the SOL is up, the lawyer thing is just a scare tactic by a debt collector. IIRC it's 4 years in Texas.Comment
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Can't report eitherOriginally posted by Big A View Post"Fuck Off and Die," though I wouldn't necessarily use that wording verbatim.
It won't fall off his credit report, and they can still try and collect, but they can't sue after the SOL is up, the lawyer thing is just a scare tactic by a debt collector. IIRC it's 4 years in Texas.Comment
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They aren't going to do anything about it. $1200 ain't shit compared to what tons of other people owe/don't pay.2012 GT500Comment
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They can report as long as they want to. I regularly see debt from 10-20 years ago. I saw a repo from 1965 on a bureau a few weeks ago. It just depends on how long they try to collect the debt.Originally posted by chronical View Post"When the people find that they can vote themselves money, that will herald the end of the republic." -Benjamin Franklin
"A democracy will continue to exist up until the time that voters discover that they can vote themselves generous gifts from the public treasury." -Alexander Fraser TytlerComment
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Most people do not go through the trouble to have OOD reports taken off. The big three will report until they are forced not to.Originally posted by CJ View PostComment
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It's just scare tactics. Yes, collections companies who bought time barred debt for pennies on the dollar will do many hints to get uninformed people to pay up. Things like threatening to sue, which is illegal, and hitting your credit report with debt that is outside the reporting statue of limitations and then deleting it when you challenge the legality of it. Kind of like the saying, " better to ask for forgiveness than permission."Comment
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Yup. And uninformed folks are taken advantage of with high interest rates, limited access to credit, and sometimes swindled out of money they don't owe.Originally posted by likeitfast55 View PostComment
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