:confused: Debts discharged 15yrs ago through Ch. 11. Credit card sold old debt to NCO collection agency, now they want pymnt... how can I get them off my back before they ruin my credit?
Mary

Send the collection agency a copy of the discharge; they may request a copy of the list of creditors. If you don't have a copy, contact the clerk of court and ask how you can get a copy. Your attorney may have a copy.

First if this is a 15 year old debt, they can't ruin your credit anyway.
But if it was discharged in a Chapter 11, just get a copy from the court of the discharge and supply it to the collectoin agency.

Or of course merely contact them and inform them not to contract you further on the debt.

Additionally, you need to know whether the creditor obtained a judgement and whether a lien was filed.