Is there a statue of limitation for debt collection?

[okaawhatever]

6. She has two problems. One is the debt collection agency, and the second is the credit bureau. Once

you look at the link already given to you, determine if the statute has passed. If it has, she has to still do a couple of things to protect this from hitting the credit bureaus. If it has passed, she needs to send a registered letter, return receipt required to the company stating that she does not owe the debt. (If it's for another reason she needs to state that reason). Companies like this are the scuzziest. If she can record the phone calls, should they call again, that will help too. Companies like this Rubin and Yates often put things on credit bureaus because they count on someone just paying the bill if they need to buy a house or car. Typically, you won't have time to go through the dispute process.
She should also contact the state agency that handles creditors and file a complaint. Sadly, just because you don't owe someone money doesn't mean they can't do a lot of harm. The debt has been sold to multiple companies, each paying pennies on the dollar. If someone else contacted her 3 yrs ago, she's probably dealing with the worst of the worst. If they collect even $20 for every $100 owed they make money. Have her check her credit in about thirty days and make sure this company hasn't put anything on her bureau. She can do that for free at www.annualcreditreport.com. Good luck.