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Message: [QUOTE="Crank, post: 3115054, member: 9692"] In most jurisdictions this debt would fall under breach of contract. Verify the statute of limitations length for breach of contract. Be aware that merely acknowledging the debt can re-start the clock, which is the reason why virtually every debt collection call is recorded. If the SOL is 4 years and they call you at the 3yr9mth mark, in my jurisdiction, and you say, "yeah, yeah, I know I owe it," the SOL restarts at 0. If you make a partial payment, that generally will also re-start the SOL clock. If credit score is not impacted, or if you have no need for credit or don't care about your score, ignore it, don't take any calls, block numbers, and so on. Make them come to you. Worst case scenario is you get served with small claims court papers at some point. Do not let it go to default (no response from you) judgment. I have won multiple cases like yours based on the plaintiff not having standing to sue because they can't prove they own the debt. To prove they own the debt, they have to show your original agreement with the 1st party all the way through to them. They rarely have that documentation and they just hope you don't show up. I had one 40k student loan debt go uncollected because the plaintiff could not prove the chain of title back to Sallie Mae. You seem like a super high energy guy. Best bet here is to ignore it and move on. Like Winston once said, "if you stop to scold every barking dog along your walk, you'll never get to where you are going." [/QUOTE]

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