Reply #11: Nutmeg..... [View All]

if you REALLY want to make it as unpleasant as possible, try bringing up SOL to them. If you have been getting these calls for two years then it sounds like they have been after this guy for a while and all states have a SOL (Statute of Limitations) for credit card debt. If you really want to get them ticked off just tell them over and over "statute of limitations". These folks still try to get their money long after the SOL has run out and they still try to use strong arm tactics since most people do not realize the time they can collect does run out.

I had one person call and try to collect my ex-husband's debt. They would not believe he did not live there any more and so I finally gave in and said I was his wife so that they were allowed to talk to me. I said I believe if they checked they would see that the debt was well beyond the SOL and they agreed but said he had a moral obligation. I said I would not argue morals with him but I said they could not legally collect the money in court because of SOL. Everything they said after that I responded only by saying "statute of limitations". He finally hung up on me! The calls dropped off to about once a week after that and then they stopped. I guess there is no use beating a dead horse and I was not about to pay my ex's bills!!!

Good luck with those calls.