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Creditors harrassing after debts are off my file

I’ve been told by my credit bureau that one of my debts will be coming off my file. He said that after 6 years of no payments it comes off and that I don’t have to worry about it anymore After Sept 1/05. If the creditors for that account call me and I tell them it’s off my file can they still keep harrassing me. How do I get them off my back

One Response to “Creditors harrassing after debts are off my file”

Barton Goth, GCO Inc. Bankruptcy Trustees said...

Just because a comment is not registered with the credit bureau or has dropped off of your credit bureau doesn’t mean that you are no longer responsible for it. The Federal Government and the Provinces have Limitation Acts which provide a limit on the time an unsecured debt survives. If an unsecured debt is not collected or payments are not made on the unsecured debt then after a certain time no legal action can be taken to collect the debt. While the time may vary significantly from province to province the key thing to remember is that it is not simply measured from the last payment you made but the last time a collection attempt was made. This could be as simple as sending notice (even if that notice was sent to the wrong address) and if a judgment is obtained the legislated limits often increase significantly.