On August 17, I received a letter from Merchants' Credit Guide offering me a choice of three different payment plans on a debt that was on my credit report from 1996. I called the 1-888 number on the letter and spoke to a customer service representative and told him the debt was on my credit report for 7 years and therefore was no longer valid. The representative stated that I was still legally obligated to repay the debt at which point I hung up on him.
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