item they are trying to collect on is past statue

Quoting realperson@hotmail.com>:

Hello Bo!! I have been looking at your web content for sometime now. My questions is, I have Calvary Collection calling me(I do not answer the phone, caller ID, but they do leave messages, and sending me letters and settlements saying I owe them money. This item they are trying to collect on is past statue and is not even on any of my credit reports anymore. What do I do? Isn't it illegal for them to keep trying to collect. Like I said it is not even on my credit, but I do see them on the under inquiries, I guess they are tracking me???? Any suggestions?? Thank you, RP
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It would be illegal to inquire on you if they do not have your signature. I would venture an educated guess that the calvary account was sold to calvary by some other creditor "for 30 cents on a doolar or some figure" and that creditor is the one that is now gone. I would suppose you will be finding this collection on your credit pretty soon should you continue to not respond. Is it legal? I do not know. All I know is it happens all the time. Search for it on my blog. I bet this very question is in there 10 times. I would pay them if it was my credit entry "regardless" due to honesty. If I owe it, I pay it. But I make sure they do not put it on my credit if I do. If the amount is too much just duck and hope fopr the best. What are the laws? I would call the BBB. Or consult with the FTC. That is all I know.
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