I was living in Ohio from 1990 to 2000. I had a home phone bill I disputed back in July which I did not pay. It amounted to like $4000.
In August I was transferred out of the country for work and I gave them my new overseas address. The last bill I paid was July still on dispute. The phone company did send me the bills for a 3 months but I told them it was disputed and then they stopped.in December I received a letter from CBA telling me that the debt was referred to them.
I wrote back asking for verification but they did not send back anything. They posted the following in my credit history: Date Opened 12 and the same date for Date Reported. I just kept quiet. I had left my address for my credit cards at a friends address in another state.
In 2003 I noticed that they posted the following after selling the debt to Asset Acceptance. Date Opened 08 and Date Reported 06. Credit acceptance called my friend's place asking for me but he told them I do not live there. I did not hear from them till today.
I moved back to the States and got a place in Kentucky as a student. I have no property and no loans. I rent from a friend. I only have a checking and saving account and that also with little money. I am on a scholarship.
Today I got a call on my cell phone. I didn't take the call but they told me in the voicemail they were asset acceptance debt collectors. The last time I paid any bill for this account was July before it went into collections. Can they do anything?
I think the Statue of Limitation for Kentucky is 5 years and Ohio is 6 years for open accounts. (Is it 6 years for Ohio?) Does phone bills fall under open-account catagory for both states?
It's just over 6 years and they called today. What should I do next time they call? Can they seize money from my bank account? Both savings and checking accounts?
What do I do when they call me again? What do I say? What direction do I go in? I don't have much money. I'm just a student. Help please!!!
Alex
Small Town
U.S.A.
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