by angella » Thu Feb 28, 2008 07:35:27 AM
OK... just ask them to prove it without saying you'll consider it. Say you don't believe the debt is yours, don't recognize it, don't remember it, so send the proof and you'll check your records.
Enforceable means past the statute of limitations. Call the courthouse and ask how long the creditor has to sue for a debt that was incurred on whatever date you believe it was incurred. Ontario has changed recently to two years, but yours went defunct before that came into effect and I'm not sure what the old statute of limitations was. If they can't sue, they can't enforce the debt.
If they can prove the existence of the debt they can call you for it, they just can't do anything to force you to pay it.