All of my bad debt is charged off. The bad debt wa

All of my bad debt is charged off. The bad debt was sold at a huge discount to the debt collection agencies. I have been called over and over every day for more than three years and all they get is my answering machine. My big question: since my credit is ruined and continues to be ruined, do I even need to consider paying anything to them? Is there a pro bono attorney I could contact to get a sympathetic judge to issue a court order forbidding further collection efforts?

2 Answers

Yes, your credit is ruined. Still, I feel you should pay off the debt. Otherwise, you may have a problem in getting a loan in future. 

You are required to payback the outstanding amounts to the collector, otherwise they can sue you because of non-payment of debt.

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