Okay folks, here is what you do.Go to google and type in consumer protection for you state, each state has different laws.In Texas, I can tell you, that they can try, but after 4 years if a debt hasn't been collected, it's dead, they cannot take you to court.They cannot call you at work, they cannot call your neighbors, they cannot discuss your business with anyone.To get them to stop calling, invest $5 and send them a CERTIFIED, RETURN RECEIPT REQUESTED letter telling them to CEASE AND DESIST ALL COMMUNICATION. This usually does it, they will give up or sell you to another company in a few months. If they persist, check in your state for an atty who specializes in harrassment suits against collection agencies, make sure the atty works on a contingency basis.I used Dean Malone in Dallas, http://www.deanmalone.com/ you don't pay unless he wins, I won a $30,000.00 suit against NCO.I had to do a little work, use an answering machine and get a tape recorder, but it was worth it.They called me every hour on the hour and it wasn't even my debt.It doesn't matter if you owe it or not, they are not allowed to harrass you.I had some idiot call one day and tell me I owed $5,000.00 from 1996 (I didn't) and when I asked who it was that I was supposed to owe, he couldn't tell me. I guess he thought I was just going to write him out a check.lolWhen they call you, they are supposed to send you a backup letter within 30 days, I never got one, so, I know it was some scam, they do have people out there doing that.Each time they call you, write down the time and date and the person calling, even if it's a recording, write it down, if you sue, this is very important.Most importantly, don't let them intimidate you, arm yourself with the laws in your state and read it off to them if you have to.They don't waste their time with informed people.