Originally Posted by cherylp1862
You have been given good advice. The answer to your question as phrased, is yes. The problem is how you and/or we define the term "legally". For you to truly understand what's going on, that term needs to be broken down.
When you borrow money and agree to pay it back, that's a legal obligation, and it goes on forever. There's no law that says otherwise.
There IS a law, however, that says they can't SUE you after a certain length of time. In your case, that time has apparently passed, or they got a judgment earlier as suggested. Lots of people get judgments foisted upon them because they moved and didn't make sure the people that needed their address HAD their address.
That's probably NOT the case here, but the agency can "legally" pursue you to your grave... Unless, you take the proper "legal" action to stop them. THAT action, as alluded to by Scott, can be found in the Fair Debt Collection Practices Act, and THAT act gives you certain rights...
It goes a little bit further than Scott suggested, however. You can stop them from contacting you AT ALL - not just by mail.
Here's what you do. Google the act. Copy and paste the pertinent verbiage in the letter you're going to send to them. In it, tell them, pursuant to the act, NOT to contact you in ANY manner whatsoever. You might as well threaten to sue them too, if they damage your credit further than it already is... (The last is probably more to just make you feel good - but I'd put it in there, nonetheless). Send your letter certified, return receipt requested.
They'll stop bothering you.