feel the bern wrote:
Don’t worry about it. Answer the phone. Give them no information whatsoever. When they finish talking tell them to never call this number again then hang up. Block the number on your cell and get back to life.
Is this legitimate advice or are you just trying to get me in trouble?
I want to do what you say, as long as it doesn't screw over my finances.
If it was going to hurt your credit score then that has already happened two or three years ago. Also you would have been called to court a long time ago. You can’t pay the doctor because he has already written it off. Most of these collection agencies just buy old debts for pennies on the dollar. Then they call the debtor and try to get them to pay anything that they can by lying and making hollow threats.
Ignore it and tell them to stop calling that number. Do not acknowledge anything even your identity.