I had an old debt of 10 years ago that was written off; closed. Apparently, Midland Funding bought this old account 9/09. Now, it appears as a fresh debt due to them. It states on my credit report that I have not paid in those two yeas and now the balance is almost doubled!
About a week ago, my entire bank/savings was garnished. They left me with $0 to pay my impending bills & house payment. Now, I got the lawyer handing the case calling me to resolve the rest or he will take me to court.
I just typed up a debt validation letter in which to send asking for the proof, etc. That I owe this debt. How can they go in and buy an account that was closed and doesnt even show on my credit report? I am doing what I can to get them off my back. But, it looks like they can take one to court on old accounts?
Statue of limitations states the old account is only valid 4 years.
I am seething. I have my bills due now and not a dime to pay. What can I do now? I have reported them to everyone I can think of.
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