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Reply to "Very Old Debt"

I'm in WV and it's 10 years here... if they have not actively attempted to collect then no they cannot collect it and have to stop contacting you.

I would recommend that you have them verify the debt.  Example, dentist never charged our insurance for daughter dental visits.... 4 years later I got a bill for over $5,000.... I contacted my dental insurance and dental office.... dental office stated they billed insurance but couldn't provide proof... WV law if they do not bill medical within 180 days they cannot collect it.... the collection agency gave me a lot of grief until I demanded they first verify the debt and second put all correspondence in writing.   I stopped answering the phone and blocked the number.  I got 2 letters from them - first a summary of dates of service and second a follow-up letter stating they were unable to verify the debt. 

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