can a debt collector call you about a debt that no longer appears on your credit report?
Debts may be removed from a credit report for various reasons and the fact that it is removed from a credit report does not mean that it is no longer enforceable by law. The same way, just because a debt is on a credit report does not mean that it is still enforceable by law. So in essence, yes, you can be contacted by a creditor or debt collector regardless of the way in which the account shows up on your credit report.
There are two laws that apply to debts being legally reported to credit bureaus and debts being legally collected. The first one is the seven-year reporting limit on most debts that is enforced through the Fair Credit Reporting Act. The second one is the statute of imitations regarding how long a consumer is legally responsible for paying back a debt. According to the Federal Trade Commission, the statute of limitations on a debt is effected by the type of debt and individual state laws. The statute of limitations only applies to a collector who is trying to sue for a debt. According to the FTC, a collector can still contact a debtor about a past due account even after the statute of limitations has expired, but the debtor is no longer legally obligated to pay. If a debtor pays any money on a past due debt, that is sometimes reason enough to legally restart the statute of limitations and enable the debt collector to sue the consumer.
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