I had a very bad patch financially in the late 80’s. I was so broke I couldn’t AFFORD to file for bankruptcy, so I just had to eat the hell of having trashed credit for many years. (Everything got charged off by late 1988)
I have since moved on, rebuilt my credit, gone on with my life.
But I still get debt collection notices from time to time that are for the debts that were charged off 14-15 years ago, and I heard a consumer affairs guy on the radio once talking about how that isn’t kosher, and that there is some legal way for me to say “Hey, old news guys, leave me be.” and they have to go away. Unfortunately, Googling just brings up the standard info about credit repair and basic credit law having to do with one’s credit * report, * (all of which I know about in great detail) but nothing about this situation.
Can anyone direct me to cite for this kind of situation?