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Debt collector calling me for a 7 year old debt!?!
Good Morning, I received a letter from ERC this week claiming a debt owed to AT&T. While the alleged debt owed is relatively small, $96.70, I am not about to pay a debt that isn't legitimate. The debt collector said that this was a past due amount from 2012 (over 7 years ago). Since then, not only have I moved but I've also had a new account with At&t which whom never mentioned this debt. I am trying to see if AT&T did indeed sell this debt to ERC, whom I have ascertained is a legitimate collections agency, but that they don't always collect on the legitimate debt. I checked my credit report to see what I could verify there. I do not see anything on any of the 3 bureaus reports. Aside from that, there is nothing else showing negative activity, or even an account from AT&T, anywhere on my reports.
I would appreciate it if someone could please assist me in determining the legitimacy of this collections agency and alleged debt. Thank you in advance.
Accepted Solution
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davemize
ACE - Professor
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3.7K Messages
3 years ago
Federal law gives you 30 days to dispute this debt in writing. The collector must then furnish indisputable evidence that the debt is yours.
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skeeterintexas
ACE - Expert
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24.6K Messages
3 years ago
This is a customer-to-customer forum with very little participation from AT&T.
If it were me, I would demand some sort of proof from ERC. The fact that the debt is NOT showing on your credit report would make me suspicious.
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sandblaster
ACE - Expert
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62.9K Messages
3 years ago
They need to prove the debt is your, not the other way around. They have been known to try to collect debts from the wrong people.
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MicCheck
ACE - Expert
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12.9K Messages
3 years ago
Debts fall off your credit report after 7 years, so using that to determine if the debt is legitimate isn't reliable.
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