Reply #13: In most states, debts older than 4 years old cannot be sued for;

[radwriter0555]

and once you deny the debt exists or is yours, it's up to the debt collectors to prove it is yours and they can ONLY do that with actual records from the original debtee.

YOU HAVE TO BE DILIGENT. I had an agency TRY to come after me for a debt that was some 15 years old. I told them it WASN'T mine and must have been from a fraud case (listed on my credit report) from that period. I put it in writing, in faxes, and on the phone with serious diligence, and told all the credit reporting agencies as well.

Read up on your state's specific laws.