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Expert: Robert Paisola - 11/9/2005


Question
We recently received a letter(I am thinking from an zombie collection agency) about an alleged $300 debt that we have with the local cable company (we live in NC).  The claim is that back in 1995, we didn't return a cable box and so we owe them this money.  That they were unable to get in touch with us and therefore, the claim was never able to be filed.

Here's the thing:  1)  They claim they could not get in touch with us even though we lived at that same address until 2001, with the same phone number.  We also did not have a cable box until I started an online university program around 2000-2001  2)  When we moved to another town (still in the same state) we had the same service AND the same account number, but never received a single invoice for this supposed debt  3)  We ended our subscription to cable when we found that satellite was a better deal around two years ago, but we continued with our internet service, and still no invoice was ever received.  

Should I contact the collection agency and let them know?  Does a statute of limitations apply here?  Is it better to simply ignore the situation?  I simply don't know what I should do.  We feel that we do not owe this money, but if it would be easier to simply pull the SOL as our defense, I'd do it.  I've heard that should they try a judgment, that SOL may get the case dismissed.

Thank you in advance for your time.

Regards,

D. Butler

Answer
Hello,
Thanks for taking the time to write to me about your situation.  

Your issue is very simple.  The claim is out of statute.  Call the agency and tell them that you want them to STOP COMMUNICATING WITH YOU on this 12 year old matter and that you will NEVER EVER PAY and that you know that the statute of limitations has run.

This process of buying old claims is called "Dialing for Dollars" and if you think about it, there are a lot of people who would just pay the claim.

You do not have to pay this. and if by chance they try and put this on your credit report, then let me know and I will assist you.  THAT IS AN ILLEGAL MOVE!

Thanks for writing, if you need anything else, let me know, and please post feedback on the site!

Have a great Day

Robert Paisola
robert@mycollector.com  

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As the CEO of Western Capital MyCollector.com , based in Salt Lake City, Utah, Robert Paisola has been distinguished as a foremost expert in the field of debt collection, credit, creditors rights and collection agency administration. Having appeared on many national news and information programs, Mr. Paisola is the expert the media turns to when a creditor/ debtor issue becomes HOT! Check out the web site at www.mycollector.com for more information. If you have a special situation that you need personal assistance with, simply visit www.WesternCapitalVIP.com and you will be on your way to resolving your crisis!

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