Fair Debt Collection
One good site to check out if you have questions about debt collecting or old debts coming back to haunt you is the FTC Consumer site of the Fair Debt Collection Act, which explains your rights, what collectors can and can not do, and how to dispute debts. http://www.ftc.gov/bcp/conline/edcams/credit/coninfo_reports.htm I am posting this only because I have been reading this community for a while, and there seems to be a lot of questions about this sort of thing. I also have gotten in the habit of requesting written documentation from companies when I close accounts, pay off or settle bills, etc. I have had two occasions that old debts came back to bite me, and resolution was reached quickly by being able to present the letter. It might now help for the bills that come back NOW, but it is a good habit to get into.