In doing some research about do it yourself debt settlement plans, I ran across this information on Statutes of Limitations on Debt by State.
IIt is interesting to know your rights in this regard. Some creditor's "sell" their debt at a discount and the new "owner" attempts to collect.
IIf they do, you may really owe nothing at all. They are just trying to recoup their investment in a new list of people to intimidate. You may try asking to see the original note!
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