Legal Question in Credit and Debt Law in New York

No Debt Recollection
I recently satisfied a judgement I had with a collection/law firm since 2001. I believe this represents my willingness to pay off my debt. In march of this year they contacted me an told me they had another account that belong to me in the amount of $1,500. Unfortunately, I have no recollection of this account. I sent a certified letter to them asked that the validate this account and provide written proof that this account belonged to me. Especailly since I had a problem in the past with their agency, wherein my payments were applied to someone elses account in error. Fortunately, I was able to prove thru bank statements that the $700 belonged to me.

I received a call 3 months later, Friday, June 23, 2006 about this same account. The representative stated that they recieved my letter requesting proof of this acct. I explained to the representative that I had no recollection of this acct. He became irrate and started telling me that this account was opened in 1993, charged off in 1996 and they have had the acct. since 2000. I have reviewed my credit report and this account is no where to be found. I still haven't received written proof for this acct. The representative has threatened to take me to court. What should I do?

Asked on 6/27/06, 2:17 pm

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Re: No Debt Recollection

There is a 6 year statute of limitations on debt when runs either from the date of last payment of the date of charge off...whichever is later.

Good Luck

RRG

Answered on 6/27/06, 6:15 pm

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