ALW Sourcing has been calling my house repeatedly for a couple of weeks. I thought perhaps I had missed one of the bills from my recent hospital stay, (there were so many that seemed to be for the same thing) so I called them back. They claimed the were calling about a credit card my husband had in 1990.
My husband had no credit cards in his name at that time. I told them this and they tried to act as if maybe he was hiding something from me. I know that he and his ex-wife had filed for bankruptcy in 1983. He did not have any credit in his name when we married in 1985.
Since the very beginning I have been in charge of paying the bills. We have never missed a payment. The only time we were ever even late was when my father died in 1999 and I left for his funeral without remembering to pay the bills first. That put us 5 days late on a couple of things, but nothing was "charged off."
I also seem to remember that if something is "charged off" that means the creditor has taken a deduction for the loss and is no longer entitled to seek damages. Even if this had been legitimate (which it wasn't) they wouldn't have the right to come around 18 years later and ask for anything.
I pulled my husbands credit report and saw that they did ask for his information. I will be checking weekly to make sure he doesn't have any fraudulent charges showing up
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