I just now got a call from a collection agency telling me I have a 4 and 5 year old debt they are collecting on... from a hospital visit in 2003 and 2004.

The man on the phone talked over me every time I asked a question... I am being HAUNTED by bills I swear to god...

Every time I think I have paid them off new ones pop up...

He told me they have been sending me bills for years and leaving messages on my answering machine. NOT TRUE!~

He told me they haven't been able to locate me... what a load of horse crap I have had the same address for 8 years! Same phone number too!

This is the first I heard of it and I called them back!

How is this crap legal?? I didn't get any bills and now they want MORE money than I ever "owed" in the first place.

If you have a unpaid debt they may contact you on it.

Debt collectors lie, cheat, and will threaten you all the time, not legal but they do it.

You need to get their address, and write them and tell them not to contact you by phone any longer.

Also write them and challenge owing the debt, tell them to provide documentation of the validity of the debt.

Now of course if you did owe this 5 years ago, it will be a lot more now, there will be late fees and interest and latter perhaps legal fees, so expect it often to be almost double by the time it would ever go to court