I got a Clout Financial card when I turned 18. (Which was 2000) I defaulted on it and then set up a payment plan with their debt collector, First Performance Recovery. I made all of my payments and completed the pay off in December of 2004. I have been getting calls since 2006 saying that I never paid it and now owe up to 6K with interest. Every time I ask for something in writing they never send it and I no longer hear from them. Until six months later when a new company calls me threatening that I must pay it or else. I have checked my credit report and this card is not on it. I also just bought a new car and house in 2009. How is this possible if I have a huge debt lingering that I am about to be sued over according to these companies? And in Ohio I'm pretty sure that the statute of limitations are up on a credit card over six years old. I am pretty sick of the harassment and I am quite pissed that I have to be threatened over something I already paid off. These "debt collectors" need to get real jobs and stop preying on innocent, hardworking people.