I had a bankruptcy in Feb 1993.6 months prior to that I had hired a bankruptcy lawyer and was told to cut up all my credit cards which I did in his office. Bankruptcy was discharged on Feb 1993. Last week I had received a letter from a collection agency named: NCO financial systems Inc. The correspondence that indicated I owed 19,397.40. On a original balance of 5,655.08! Is this collection attempt legal after 16 years? Isnt the statue of limitations six years? They have making up false records on the average citizen.
They said my last payment was on July 1992, and the card was opened in 1988. I did not see this credit card (Chase/assignee of Providence) on my bankruptcy discharge papers and I do not remember having this credit card. They do not have any other information on this account other than this last payment I had made prior than my bankruptcy (July of 1992) It was also the only time they had ever contacted me and I live in my home elevan years now. Even other address before that I had never been contacted about this credit card. And the Interest had accrued to 13,742.32! Is this attempt legal? I also ran a credit report from three major credit bureaus and my credit is excellent. No record of the account number was on the report from the statement NCO had sent to me. I believe this fraudulent and should be investigated. I noticed NCO did make an inquiry on 8/22 for some reason and they should'nt have. Something is definitely wrong here. Please investigate! I sent the attorney general a letter certified, and also to NCO of any proof of this account.
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