866-692-6806

who is this???

Mary She works for Vision Financial -collection agency

this is a collection agency called Vision Financial.  they called me and told me i opened some account in 1994 (which i don't even recall) and it went delinquent in 2006 and i owed them $2000.  i told him to shove it as the statute of limitations in Texas is 4 years.  he kept calling me a deadbeat and said he would mark my account such that they would "call to harass me every day at 8:00 am" and he hung up.  i called back and spoke to another person at that number and told them this was illegal and that they could sue me and i'd get a summary judgment in court but not to contact me otherwise.  he was nicer and kept saying their goal was to "avoid litigation," of course because they can't legally collect the debt anyway.  he put on his manager who was again a jerk and started talking crazy to me.  i told him that if his company continued to call me to harass me (since i told them very clearly to sue me and i would see them in court) i would make it a point to go find their office/call center, fly there, and show up in their lobby.  he said "are you threatening us?" to which my reply was no not at all, but if you guys think this is funny to tell me you're going to call me and harass me i will make it my priority to find you personally and ensure you know how uncomfortable it can be when someone you're harassing knows you and your family's whereabouts.

i think they won't be contacting me anymore.

If you do go there to find them take a cop with you after you explain why you came so they can't try to have you arrested.

Good luck.

A statute of limitations is an enactment in a common law legal system that sets the maximum time after an event that legal proceedings based on that event may be initiated. They can pursue the debt  for as long as they wish, they're just unable to pursue you in court.