Debt Collector 15 Years After Bankruptcy.
Location: Arkansas
I started getting calls and text messages from Citi about wanting to talk about a debt. These days, I don't have any credit cards save one through my bank. So I wasn't sure if it was phishing or a wrong number.
After calling the company, talking to three departments, and doing some Googling on the phone numbers and texts: it turns out it's a legitimate phone number for debt collection that works with citibank.
According to the company I have no open accounts and the only thing they even show is something that was charged off in the bankruptcy in 2010. So it looks like somehow that has ended up on the radar for one of these companies.
Have no idea how this even occurs. This seems well past statute of limitations and I don't owe them, charged off in the bankruptcy. I don't want to even talk to these people because 1, to be sure I don't say anything incorrectly and 2, it's never pleasent or helpful in my previous experience.
How do I address this?
In Arkansas now. Debt incurred in TX, if that is relevant.
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