One other thing I forgot to mention. The collector contacted my father, who's 93 (not that his age matters), and not me directly. Are they allowed to contact relatives?
What you said was basically my wife's reaction. Think I'll follow this advice and see how it plays out. The last payment made was definitely over 10 years ago.
ArmyJudge, Thanks for your input. I had a similar call about a year or so ago where they were threatening filing a lawsuit and at that time I referenced the SOL and never heard back. I do not know, and seriously doubt, if any lawsuit has been filed. The rep didn't say they had filed, only...
I was contacted today by a "debt mitigation" company regarding a Providian CC account we last paid on in 2012. The rep told me something about the contract including a tolling option that extends the SOL by 15 years. I have not been able to find anything saying the SOL could be extended by...