About 20 years ago, I borrowed a loan from a bank. Unfortunately, I lost my job shorty thereafter and I found myself not being able to pay back the loan. About 10 years thereafter, I called the bank up because I wanted to start paying the loan back. The bank informed me that they had charged it off and the loan was no longer on their books and they had probably sold it off to a debt collector.
Just yesterday, I received a phone call from a debt collector trying to collect on that loan. I intend to send them a cease & decease communication letter to have them stop harrassing me. However, I would like to know if anyone out there knows of a good spell I could use to have them stop calling and harrassing me.
Thank you in advance.