Unfortunately, these lip smacking turd-balls are allowed to contact you after the SOL expires. They just cannot threaten to sue or report you to any CB.

I suggest sending them a letter like this below to STOP them:

Your Name
Your Address

Collector's Name
Collector's Address

Dear Collector,

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) about a certain debt that you are attempting to collect. I have checked with my State Attorney General and verified that the legal Statue of Limitations for collecting this type of debt in (insert your state or the state in which the contract was signed) has expired.

Now that I am aware of my rights in this matter, consider this letter as official notification that, should you decide to pursue this matter in court, I will invoke my rights and use the "expired statue of limitations" as my defense.

Be advised that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me, via mail only that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by law.

Your Signature Above Name
Printed Name

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