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I just received a collection letter for a Debt to AT&T from a phone I apparently had in 1998. This is the first I have heard of this debt in 15 years. Isn't there a statute of limitations here or should I just pay the settlement offer?

The Statute of Limitations does not stop them from asking for money, it is simply a defense in the event you are sued. A debt with no payments in 15 years is Out of Statute in all States.

You are entirely within your rights to either ignore the letter or send them a letter in return telling them to never contact you again about this matter.

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Steve Katz


Debt Collection, Credit Reporting, FCRA, FDCPA, TCPA issues


Founder of Debtorboards, co-author of Debtsmanship, former Collector, Credit Counselor


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