8773945975

to be yet another pay 'ur billz shill, is there any reason why you are replying to a four year old post?  Perhaps you should pay your own bills (clearly you don't) instead of exhorting others to pay theirs.

Nothing like posting replies to old posts and expecting them to see them.  But then I can tell your intelligence level is less than 0.  So you decided to register another screen name?  Doesn't matter.  You are still a troll, always were and always will be a loser troll.

Got a call from this company regarding an old debt. Sent them a copy of the pay off paperwork showing debt had been paid, end of calls. No problem. It is only a problem if you don't pay the money you agreed to pay some company, credit card etc.

So you admit you are a deadbeat that doesn't pay their bills as well, yet you are here for some unknown reason criticizing everyone else.  So now that we know you don't pay your bills, we can laugh at your stupidity.  You are definitely one stupid troll, why even the lowly amoeba is smarter than you.

You went about that the wrong way. You see, they need to mail you proof you owe the debt, you don't need to mail proof you don't.

If you sent them paperwork and have no issues with them, why are you here? Why do you care what others do about the calls they recieve and why are you shilling for the debt collector, if your a client?
Your story doesn't make sense and will be viewed by everyone as just a phony troll story.

This thread page has attracted a high volume of misinformation on Statutes of Limitations and issues covered by the Fair Credit Reporting Act. Some misinform, others rebut with sound corrections, still more rebut the rebuttals with more myths, still more valiantly try to restore order, and so on within a dizzying cycle. Your remarks mostly need special attention for being so very misleading. I would agree with one, that bankruptcy is a refuge of last resort.

There seems no end to the flood of ill-informed people who confuse the seven year FCRA time limit for reporting of delinquent accounts to the credit bureaus with the highly variable Statutes of Limitations found in each State. As its name implies, the Fair Credit Reporting Act governs reporting only. With few exceptions in three states, SoL sets a limit on creditor lawsuits, not the total ability to collect. This has been explained and supported here more than twice.

Payments on junk debt may prompt SoL reset, but cannot legally reset a credit report expiration. SoL varies both by state and by debt category and may range from three to fifteen years. No "seven years, period" SoL that I can find exists on any consumer debt, and I am absolutely tired of correcting that single point.

Beyond all this, you can be sued anytime and any place for crusty old debts. It's your job as defendant to raise objections when doing so is illegal. There is no automatic stopgap concerning SoL defenses. Arguably this is a flaw in the legal system which unfairly punishes the poor and inflates the muscle of consumer debt collectors.

I wanted to be fair and see who told you that "seven years" was some magical universal limit. Through multiple search engines I tried your suggested phrases "Consumers Bill of Rights" and "Debtors Rights". Results for each tend to be a mix of lawyer advertising and legal clinics for the poor, too many hits to review in one sitting. It became necessary to narrow results by adding the terms "Statute" and "Limitations". I saw nothing obviously like your assertions. I did learn that the "Consumer (singular) Bill of Rights" exists as a policy statement suggested in a Congressional speech by President Kennedy in Spring 1962. It might voluntarily be honored today by parts of the business community but is not codified into any North American law.

So I don't know where you got your fractured facts, but I can assure the crowd here that no lawyer who kept awake in school would take your defiant case simply because some agency wanted you to pay "after the seven years" of credit reporting. I might caution that some attorney advertising is quite misleading and some courtroom cowboys get the laws very wrong while dangling promises of fat award prizes. Everyone is advised to read the laws, read what the CFPB and FTC and NCLC and Nolo Press have to say, before taking the first "summary of your rights" you find as holy writ.

If yopur tired of correcting certain points in regards to other peoples comments, then why do you keep
coming back to this phone number reporting page and why do you keep correcting people? If your tired of it, then just stop coming back here.... Duh!

} why do you keep coming back to this ... page ... just stop coming back here

To "keep coming back" I would have needed a long post history. A grand total of one comment on this page doesn't qualify, uuhh-DUUUUH!

} why do you keep correcting people

Mistakes of law like those so arrogantly defended here can yank away a person's bank account or home, or wreck a marriage, or destroy a career. Leave it to trolls like you to miss the whole forest for one branch of a tree.

yopur: Word not found in the Dictionary and Encyclopedia. Did you mean:
Yooper, YOPER, yapper, your, Yauper, yawper, apar

Your vs. You’re: What’s the Difference?
http://writingexplained.org/your-vs-youre-difference
  "English has a lot of genuinely confusing words amongst its ranks, but the two words "your" vs. "you’re" are not a part of them. The difference between these two words is relatively straightforward, yet they are commonly mixed up with one another, especially on the Internet. ..."

I generally do  not answer any calls from an 800- number or 8xx-, therefore I did not bother returning their calls.

Did you actually need to look in the dictionary or encyclodedia to dtermine that "yopur" is not listed in them?
Wow! This is a great example of why we need better education in this world....
Just so you know loser, "yopur" was typo. If you dont know what that means then perhaps you should look that word up.
And while your at it, go to the letter "L" and check out the word "Loser".
However, we did get a kick out of your comment.

} Did you actually need to look in the dictionary or encyclodedia to dtermine that "yopur" is not listed in them?

No, but it looked like you needed the assistance. By the way, "dtermine" and "encyclodedia" are also giving you a problem.
Did you mean: Termine, Termina, termini, dormin, Duromine
Did you mean: encyclopedia

) .... "yopur" was typo
... and that was not a sentence. The true meaning of "typographical error" refers to mechanical fault, generally at the printing stage. It's not meant to be an excuse for schmucks who can't spell, refuse to learn correct grammar, or bind their typing fingers in knots.

Now unless you have anything of substance regarding the subject caller or consumer credit, I suggest we close this frivolous detour.

ROFLMAO!

Brilliant!

Not enough aloe in the world for that burn!

Isn't Yopur a person from the upper peninsula of Michigan?

Nope. That's a Yooper. 😸

unwanted calls