by johnsmith1 » Thu Oct 25, 2012 12:59:04 PM
Hello,
A family member needed assistance on a loan 19 years which I co-signed back (1996). Sufficient to say they did not make their payments, the debt went to collections and it affected both of our credits for 7 years (they applied for bankruptcy due to overall bad credit. I dealt with it and repaired my credit).
It appears this debt was sold to Aktiv Kapital who for the last 5 years or more, have been trying to collect it from me. They sent letters offering 80% off the debt and call my cell phone, none of which I have ever responded to or even answered. Just recently they called me at work for the first time which was a big surprise. I did not give them any information, asked who I was speaking with, how they got this number (my credit report) and told them not to call me back or I will take legal action (they haven’t called back but still call my cell phone).
Is there anything at all I can do rid these people from harassing me or am I stuck with them forever? I know they have no legal leg to stand on at this time but do they ever give up or is there anything I can do? Please help.