Is there a specific attorney taking names of people who are being harassed? These folks are trying to collect on a debt from over 8 years ago. I am in CA, and per the law here, after 3 years, no agency can go after anyone. As long as you don't to anything to "restart" the clock, ie acknowledge the debt, the 3 year clock starts 120 days after the last missed payment. Medical issues put me in a real bind....credit protection ins was supposed to pay the bill, but the paid only a portion.
Look, you can sue them yourself and keep much more of the money than if you go into a class action and end up with pennies on the dollar because the lawyers took it all. By the way SOL means they can't sue you not that they can't try to collect
They should have already sent you one of these:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Hopefully you didn't ignore it if they sent it because this is what comes next
You need to send them a certified, return receipt debt validation letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notion of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general