I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago. 
