You receive a phone call that is serious: there is a case and your SS# on a persons' desk and YOU must call else legal action. You are clueless what it is about. It happens again. They call a phone number that is unlisted; NOW you are really wondering what is going on.
You call and find out that there is a debt with your name on it from 11 years ago; why there is a debt doesn't matter, there just is. You can not or are not willing to pay the debt for whatever reason (again, that isn't the issue). Both parties hang up.
HERE is the question: by calling, does this mean you have opened the door for 14 years of calls, letters and legal action?
I say no as I read it's the PAYMENT that makes the clock tick. Family member says YES, by calling you have acknowledged the debt and now they can come after you no matter how long ago it was. Person this happened to is freaking out as she is on a fixed income and barely making it (she may be homeless in a month if housing doesn't come through).
Before I start googling (because I want to know the answer), I thought I would ask the great minds of this community: you all have supplied me with amazing information on many subjects so...
Anyone know? TIA