Very old debt

[lillymarlene]

Hello, I have not posted in a long time, but I have a question. I just received a letter from a junk debt buyer, that as of October 2016, I owed $3,200 on a credit card. I successfully completed my Chapter 13 in 2014. I don't believe I got any credit cards during the bankruptcy or for years after. I have always used PO boxes for mailing addresses for a long time. This was to my house address. They also did not use my middle initial which it seems a lot of business or government agencies use. I only have two debts these days, the last of my mortgage, and one very small credit card that I use for emergencies. Experian lists those two and one paid off for an automobile that was totaled. Should I just ignore this? Hopefully I don't get nasty surprises of being hauled into court or having my wages from my part time job garnished. I do not want to call their toll free number, since maybe they do not have my phone.

[justbroke]

If it's not on your credit reports I wouldn't worry too much. Also, the statute of limitations for your State will matter since that SOL will determine whether they can do anything other than write strongly-worded letters. If they do try to sue you, your likely offense to a judgment is that the SOL has run. You could do a verification of debt on them and they'll have to show that debt. The problem with the Chapter 13, since it's always an asset case, is that if the original creditor wasn't listed, then that debt wasn't discharged. Again, your best offense is that the SOL has run.