by bluwest » Sun May 19, 2013 06:31:34 AM
Ignore it and don't talk about the debt. If it is over 10yrs old it has already fallen off your credit reports. As far as your concerned it never happened. The collection agency's can hound all they want but they have no recourse and DCA is too much of a pussy to do anything about it anyways. What they might do is try to lie to Equifax and Transunion about the actual date the account was opened to try to get it to post again, but that is illegal. DCA is nothing but hot air out Mohsen Monavari's ass. Don't even give them a second thought. It's over 7 years since date of last payment or 7 years since date assigned to collections then your free and clear.