kittam Posted September 15, 2010 Report Share Posted September 15, 2010 I saw the post where I should be more specific in my title. Sorry for the double thread. I received a message from Asset debt collection agency 11 days ago. When I returned their call the person immediate stated that I owed $1023 to a bank and asked if I had a lawyer. I asked for information on this debt and she stated it was from 1996 and was a default on overdraft protection from Hunington Bank in Ohio. I live in KY now but did live in Ohio years ago. I ask her to send me information on this debt. I received a letter two days ago. I am going to respond in writing asking proof of this debt since I really do not think I owe it. Today while sitting in a meeting my cell rang at 2:54pm. I had saved the phone number so I knew who it was but I could not answer. They hung up an called again 2:55pm and then again at 2:56...I left the meeting an answered. The gentleman stated he was calling from Hunington Bank which I knew was a lie. He was with Asset. I said that I had just received the letter and would be responding by letter and that I did not think he should call me three times in a row. He stated he would call me as many times as he wanted as long as he left me no more than one message a day. When I stated that I would like no further phone calls and that we could communicate through writing he resonded by saying that this would only expidite their actions against me. Can I be sued on this debt from 14 years ago? Don't I have the right to ask for proof of the debt? And isn't calling and hanging up and calling right back harassment? What kind of debt is this considered and what are the SOL for this type of debt? Any advice or information will be great appreciated! Link to comment Share on other sites More sharing options...
BTO429 Posted September 15, 2010 Report Share Posted September 15, 2010 I would send them a cease communication letter and tell them to never contact you again. Send it cmrrr. If they still call you have legal rights to sue. Link to comment Share on other sites More sharing options...
Massive Posted September 16, 2010 Report Share Posted September 16, 2010 I concur with BTO429. Link to comment Share on other sites More sharing options...
kittam Posted September 16, 2010 Author Report Share Posted September 16, 2010 Thanks for the suggestion. Do you happen to know what the SOL is on such an account? Link to comment Share on other sites More sharing options...
Massive Posted September 16, 2010 Report Share Posted September 16, 2010 Thanks for the suggestion. Do you happen to know what the SOL is on such an account?3 Years after dishonor according to O.R.C. Section 1303.16 ©You are in the clear. Link to comment Share on other sites More sharing options...
BTO429 Posted September 20, 2010 Report Share Posted September 20, 2010 if its 14 years old you have nothing to worry about. I dont know of any debt, other than judgments or court orders, that carry a 14 year sol. Link to comment Share on other sites More sharing options...
WhoCares1000 Posted September 21, 2010 Report Share Posted September 21, 2010 Except in Ohio which has a 15 Year SOL. Link to comment Share on other sites More sharing options...
Flyingifr Posted September 21, 2010 Report Share Posted September 21, 2010 Except in Ohio which has a 15 Year SOL.So does Kentucky on some types of debts. Link to comment Share on other sites More sharing options...
mentalcompass Posted September 21, 2010 Report Share Posted September 21, 2010 this is ghost debt, they're hoping to trick you into paying for it. it's outrageous what some of those collectors do, preying on people who don't know better. cease and desist letter for sure. if they keep calling you, sue them for 1K each time for violating FCRA. You might make a few bucks. Link to comment Share on other sites More sharing options...
Flyingifr Posted September 22, 2010 Report Share Posted September 22, 2010 this is ghost debt, they're hoping to trick you into paying for it. it's outrageous what some of those collectors do, preying on people who don't know better. cease and desist letter for sure. if they keep calling you, sue them for 1K each time for violating FCRA. You might make a few bucks.Not for 1 more year it isn't. Link to comment Share on other sites More sharing options...
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