My Ten Year Old Unpaid Credit Card Debt

First, if you get a call from a debt collector, or someone claiming to be a debt collector, never give any personal information over the phone. The debt collector may sound very authoritative and pushy, as if you are somehow legally obligated to answer their questions. Rest assured that you are not. The conversation might start out with the debt collector asking for you by name, "Am I speaking with John Jones". If they catch you off guard you might immediately answer "yes". However its perfectly ok for you to simply say "who is calling?". Never agree to verify the last four digits of your social, or anything else personal. If you don't want to speak to them, simply tell them to stop calling and hang up. If they continue to call after you have told them to stop calling, you should consult with an attorney regarding your legal remedies. There are many attorneys who will take on "cease and desist" violation cases on contingency.''