Person leaves lengthy message Says he is with Litigation Services and that there is 2 civil action that will be sent to my counties court to have me served with papers.He will not answer when i call back.  First of all all of past bad dept is to old to be sued on. The Stutue of limitations for suing have been up for over 2 years and dept is more than 11 years old. They will still try to collect the money forever because they bought the dept for .10 cents on the dollar sometimes cheaper and if they can get .40 cents on the dollar from you then they are making money. This is a scare tactic to get you to reaffirm your dept. If you set up a payment plan or say you will pay it then the credit agency can re-age your dept and the statue of limitations for them to sue you starts over. Do not set up payment plan and or say anything about "you will repay" or even that it is your dept. Ask the person for an address to send a "Cease and Desist" letter and ask for the specific account numbers for the said accounts. This way they can not bother you any more. Send the letter Return Receipt with signature so you have a record they got the letter. Then next time they call or harass you, you can sue them. DO NOT AGREE TO PAY ANYTHING AND DO NOT AGREE THAT THE DEPT IS YOURS. Say """I do not have accounts that have not reached my states statue of limitations to bring suit against me. So there for i claim that I do not acknowledge said accounts""