I received a call from a courier who explained he had attempted unsuccessfully to deliver a summons. He gave me a phone number and case number . I called and it was a debt collector. He explained that they had purchased the debt for a credit card I had in 2007. They are pursuing legal action for a total debt of $2000. The last activity on the account was 2008. He said I could still set up a payoff and avoid civil action. He said I could do monthly payments. He wanted to get my debit card info to set up the payments. I declined to give him that. I ask that he send some offer letter by email. We didn't agree to any thing nor did I make a payment. My questions are :
1. Has the statute of limitations been reached for this debt?
2. If I was to make a payment does it reset the statute of limitations?
3. I'm of the understanding that no longer can debt collectors threaten legal action if they have no intention of actually doing it. So why are they threatening this ?
4. What should I do now?
Any help would be appreciated.
1. Has the statute of limitations been reached for this debt?
2. If I was to make a payment does it reset the statute of limitations?
3. I'm of the understanding that no longer can debt collectors threaten legal action if they have no intention of actually doing it. So why are they threatening this ?
4. What should I do now?
Any help would be appreciated.