Collection Letters 18 years after BR!

PostBr

Hi all, I hope this is the right place for this!  I became bankrupt in 2007 and was discharged in 2008. Since then I have managed to rebuild my credit file, obtain a mortgage and remain debt free.

A few weeks ago I received a letter from a company called Opos who were contacting me on behalf of Capquest to collect an outstanding balance for a debt that was included in my bankruptcy and I have just received another one today.

What do I do about this?  Ignore or email them to say I was BR and this debt was included?  Is there any standard legal wording I can use to make it clear they cannot chase me for this?

Thanks in advance 

fatbelly

PostBr said:

Hi all, I hope this is the right place for this!  I became bankrupt in 2007 and was discharged in 2008. Since then I have managed to rebuild my credit file, obtain a mortgage and remain debt free.

A few weeks ago I received a letter from a company called Opos who were contacting me on behalf of Capquest to collect an outstanding balance for a debt that was included in my bankruptcy and I have just received another one today.

What do I do about this?  Ignore or email them to say I was BR and this debt was included?  Is there any standard legal wording I can use to make it clear they cannot chase me for this?

Thanks in advance 

Don't worry about legal wordng.

Just tell them about your bankruptcy 

sourcrates

Occasionally debts that have been through bankruptcy, or other types of insolvency, find their way into a debt portfolio bought up by a debt purchasing company.

They buy these debts in bulk, mostly with no prior knowledge of events leading up to the purchase, so they don`t know what they have got until they attempt collection.

Agree with fatbelly, its up to them to prove you are liable, not up to you to prove you aren't.

You can also add in the letter that you were bankrupt, and bankruptcy encompasses all your debts, and even if that were not so, the debt would be statute barred now anyway, try and cover all the bases so they have nothing to throw back at you.

PostBr

Thanks both