Over 15 years ago, I signed up with an at home study course [Liberty Bible Study]. I paid a deposit for the fee and was supposed to receive study material and books. I did not get all the required material and did not get much help with the customer service. Within the 30 day period according to the contract, I sent them a notice stating I wanted to drop the courses. I never got the deposit back because the contract specified it was something they would keep.
Anyway, I did not hear anything from them for 2 years. I disputed the claim. They never sent me proof and I never heard back from them. I thought that was the end of that.
7 years after the course, I get a call from a collection agency threatening me they would sue and force me to make payments if I did not agree to a settlement amount. I told them the debt was over the statue of limitations and I did not get services promised. I never heard back.
10 years passed, same thing. Out of the blue they call with the same tactics, same threats, and I hear nothing back from them.
12 years later, same thing. Now here it is over 15 years later and they are trying to claim they will sue me if I don't agree to make payments. I told them this is an SOL expired and disputed debt. Then he tells me the SOL is only in regards to the ability to sue in court. He claims if I do not agree to a settlement, he will put it on my credit record as an inquiry until I pay it. I asked him to provide me proof of the validity of debt, but for now I will not agree it was a valid debt and refuse to pay it.
Is there any way to get them to stop harassing me every few years?