It's Asset Acceptance automated collection call. They ask to return the call to 800-398-8817. They must be calling for someone else. I have no debts and not even a mortgage.
I got a message left in voicemail from them also.
They probably buy debts for pennies on the dollar and try to collect.
It could be about a debt more than 15 years ago, I don't know.
But that would be way past the statute of limitations (SOL).
Sometimes these places may try to trick people into paying or try to make them feel guilty, when the debts have expired.
They may even try to put it on your credit record (happened to me once) but it is illegal.
A credit counselor once told me, don't try to call a credit about an old debt as the contact could restart the statute of limitations period.
I got a message left in voicemail from them also.
They probably buy debts for pennies on the dollar and try to collect.
It could be about a debt more than 15 years ago, I don't know.
But that would be way past the statute of limitations (SOL).
Sometimes these places may try to trick people into paying or try to make them feel guilty, when the debts have expired.
They may even try to put it on your credit record (happened to me once) but it is illegal.
A credit counselor once told me, don't try to call a credit about an old debt as the contact could restart the SOL period.
Dont believe everything your read. And do some research before you post something and everyone in the world reads it and relies on your erroneous information.
1. There is NO Statute of Limitations on how long someone can attempt to collect a debt. A statute of limitations (in regards to debt collection)refers to the time period that a debt is enforceable in court. A creditor may never choose to pursue an obligation owed them in court but they can collect on it forever (with the exception of a handful of states, 2 that i know of) that do not allow this.
2.Asset Acceptance is the largest publicly traded debt collector/purchaser..chances are they are not trying to collect crap that is 15 years old.
3. Again, debts do not expire. They can be collected on for as long as a debt collector feels like pursuing them...However, a debt collector may only report an account to your credit bureau for 7 years from the date of delinquency and may only sue you within the statute of limitations in your state, but they can call you as long as they would like in 48 of the 50 states. Want to stop them from collecting a 7+ year old debt, just send them a cease and desist letter then they must stop.
4. You should feel guilty if you have an unpaid bill, unpaid debts are one of the reasons costs of goods and interest rates rise.
5. A contact cannot restart the statute of limitations but some states do have tolling statutes where a promise to pay or a payment can restart the statute of limitations.