FTC Workshop: Debt Collection 2.0: Protecting Consumers As Technology Changes, Project No. P114802
I would appreciate it if you would address stronger sanctions against third-party collection agencies that do not conform to the Fair Debt Collection laws. My state has laws in place that rule any unsecured debt that has been in default for more than 3 years to be "expired" and thus uncollectible in court. All of my past debts are over 10 years in default yet I still have a couple of agencies that persist in collection attempts. They've tried offering to put the defaulted balances on a credit card, and teasing me with a ridiculously low available balance. They've attempt many different ways to get me to make any size payment on a debt...which would by SC law, reset the clock on the debt and make it once again a collectible debt. I have told these agencies repeatedly by phone, by email and in writing to cease & desist in accordance with Fair Collection Practices Act, but they continue to ignore me. What can be done??