Q: Is it legal for a collection agency to call you every day...even on weekends for a debt that is over 13 years old?
A:
Yes, a collector can try forever to collect. If a judgment has been issued, they can attempt to execute for upto 20 years. If no judgment has been issued, the Statute of Limitation on a most matter is four years. This means that if a law suit was not instituted within four years of the incident, the Creditor is barred from bring a suit. If the Creditor then brings a suit, you must stand up for your rights and defend it or your rights will be trampled upon and you will automatically lose, even though the Statute of Limitations expired. Additionally, nonjudgments reported to the credit bureaus can stay on your report for seven years. Again, just because any of these periods has expired doesn't mean a collector cannot call or send you a letter.
This aside, your situation appears to be more than their merely contacting you and appears to be harassment. Collection companies are not overseen by any regulatory agency, so there is really no one to complain to. I would suggest you speak with an attorney. Most offer a FREE Initial Consultation.
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