Georgia  |  Credit and Debt Law

Legal Question

Asked on: 10/15/12, 1:52 pm

Yesterday, I received a call on my cell phone from a debt collector from an account that the statute of limitations expired on a year ago. By responding to this call and almost going through with a payment arrangment, did this restart the clock on the statute? I acknowledged the debt and made arrangements to pay it. But at the last minute, I backed out of the agreement. She wanted info to my banking account to deduct the amount each month, and I declined. Second question...Can the debt collector call me on my cell phone if it wasn't given to the original creditor? The original account holder never had this phone number because I've only had it approximately 5 yrs, and this account is 7 yrs old. After reading some info, I read that creditors aren't allowed to call cell phones unless it was in the original creditors files. Is this correct? What are my legal rights at this point? Thank you.

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