by Ottawa_Chap » Mon Jul 13, 2009 09:16:24 PM
As ranzzzz pointed out, this debt is beyond 6 yrs old (assuming that you didn’t make any payments on it, or acknowledge it in writing after March/03). That said, if those two conditions have been met, then this debt shouldn't even be on your Bureau files now.
If you haven't requested a copy of your credit report from both Equifax and Trans Union, go to their websites and d/l the appropriate forms. You'll need to enclose a couple of documents to validate your identity - one being a photocopy of a gov't issued photo ID.
It'll take a couple of weeks to process your request. Once those doc's are in hand you'll be able to see first hand if any derogatory remarks have been posted to, or remain, on your files.
If I'm not mistaken, both Aktiv and Deanna's firm fall outside the scope of The Collection Agencies Act. Therefore, I'm not certain if they'll be required to adhere to a Cease and Desist letter - your request for them to stop communicating via telephone and instead, via a means of your choice.
Perhaps someone else here can confirm this for me; my plate is fairly full this week so I unfortunately don't have time to review the Act myself. Regardless, there's nothing that prevents you from hanging up the phone if either company contacts you again - i.e. no law is mandating that you speak with them.
Infuriating one C/A at a time..