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Hugin

(37,696 posts)

7. The clock starts over if the debtor acknowledges the debt with a collector.

Reply to RockCreek (Reply #4)

Fri Feb 6, 2026, 10:35 AM

Feb 6

The collection usually uses harassment to drive them into it.

The only advice I know of is if the phone starts ringing. Retain an attorney in the proper field. The debtor’s only contact with the collection agent should be a cease and desist letter requesting ORIGINAL proof of the debt. Which, selling old debt to debt collectors is a scam unto itself, is almost never obtained.

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RockCreek

11 replies

= new reply since forum marked as read

Highlight:

How 'zombie mortgages' are coming back to haunt homeowners years later - PBS NewsHour [View all] question everything Feb 5 OP

And a similar story from NPR question everything Feb 5 #1

There are statute of limitations on pretty much every crime except murder, and civil suits as well RockCreek Feb 6 #4

The clock starts over if the debtor acknowledges the debt with a collector. Hugin Feb 6 #7

Really useful info, thank you. RockCreek Feb 6 #8

The Consumer Financial Protection Bureau (CFPB) that has always had the Republicans... Hugin Feb 6 #9

It feels like the Republican's point is inflicting pain RockCreek Feb 6 #10

Maybe Timewas Feb 5 #2

Unfortunately... falling off the credit report doesn't mean the debt is gone FBaggins Feb 5 #3

To be honest, I've never heard of a debt that large just disappearing because you didn't pay it Melon Feb 6 #5

They were told by the lenders that the debts were eliminated question everything Feb 6 #6

I understand the concept, my issue I guess Melon Feb 6 #11