ludi wrote:And yet that doesn't stop them from doing it.
Generally because the vast majority of the time they have absolutely no idea
if a person is really legally obligated to pay a debt they've bought.
But, if you refer them to fact that the debt was discharged, they can't "hound" you without judicial and legal repercussions.
I mean, yes, in the situation that you have lots and lots of individual debts that were discharged I would expect a constant trickle of such calls for years afterwards, but certainly not TEN years afterwards or the same calls over and over again like clone claimed.
ludi wrote:collection agencies are largely a cesspool, and good luck actually getting and collecting that megabucks judgment without investing more of your life and money into the hunt than any reasonable person can afford. You would have better odds with lotto tickets.
I don't disagree with your characterization of collection agencies, but this kind of thing is a slam dunk. If they don't desist after you've referred them to your legitimate stay or discharge, they're in serious trouble.
This is *why* they are such cesspools, they make their money off of people who DIDN'T file bankruptcy years in the past and actually tried to work off their debts. Those are the ones who get a bill from several years ago that they can't even be sure they actually spent or even thought they paid off.
If you had a bankruptcy and a debt collector is hounding you over a debt you've discharged, lawyers advertise
that they'll take your case on a contingent basis. Thus it can't be THAT hard.