Auto loan charge off in 2006. HELP

Auto loan charge off in 2006. HELPAuto loan charge off in 2006. HELP
TeletraderuSax asked 4 years ago

I just got a call from a collection agency regarding an auto loan that was charged off in the state of Texas in 2006.

 

This charge off is not on my credit report and is well beyond the statute of limitations. I am guessing this debt was sold off to collector and they somehow or another found my phone number and have begun to harass me about this.

 

Since it’s not on my credit report and well beyond the time to collect on this, can I just tell them to FOAD or do I need to be concerned?

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