<prompt> Human: I just got a call from someone claiming to be from a legal department saying that I owe US Bank 887 for overdraft fees or some crap. He was talking so fast I couldnt even hear it all. This account was opened in 2004, and I dont know when it was stopped being used because its quite possible my douche ex-husband wrote bad checks on it I was 18 and stupid. I havent had any contact with this bank account no later than 2006 and I dont even think it was that long. I think I actually stopped using that account in 2005. This guy says that theyve sent me notification after notification at one of my old mailing address which I have the forwarding set up so I wouldve recieved it here. Hes telling me that the statute of limitations 10 years in Iowadoesnt apply to the bank. Hes telling me that hes going to levy my bank accounts and garnish my wages. Obviously I know that he cant do both, but you get the picture. He said after all the court costs and fees that have been incurred adds up to 1400. I honest to God do not know anything about this this was 11 years ago plus and Im just now hearing about it. Im really scared. I work two jobs trying to pay off everything and take care of my kids. My husband works as well full-time. Im wondering if maybe I should take my name off of his bank accounts? I dont know what to do. Any advice would be greatly appreciated. I have no idea how much of this is actually mine or how much of this is my ex-husband. I just dont know. He says that hes going to go ahead and file it with the courts. I am under so much stress right now this is going to topple me over the edge. I dont have money for a lawyer and I just dont know what to do. So any help would be greatly appreciated.UPDATE- I did get ahold of US bank and they said they sold the debts off to a company in 2007 and they dont have the amounts. I have no idea about these debts. I guess I probably do owe something but Ive never received anything. Not sure where to go from here.Assistant: I get these every once in a while. They must subscribe to Shady Bill Collectors Monthly because the calls will all use the same scam for a while before they drop off. The last round, I let them go to voice mail, was This is officer Bill Jenkins like they are a policeman. They mumble the first part but left a very clear phone number. Im no angel so Im thinking well what they hell did I do now?I call back and the guy again says Hello, this is officer Bill Jenkins. With the last part mumbled again. I ask him to slow down, spell the name, ask for jurisdiction, badge number, etc. Turns out he was mumbling this is the office of Bill Jenkins so it sounded like he was a policeman. Just a low-rent way to scare the easily frightened and collect some low hanging fruit on some old bs debt.Dont let them rush you. Have them verify all the information, with them telling you what they have in their records not the other way around. Do NOT give them your info and have them verify it.Have them mail you a hard copy with all the information. Figure out if it is your debt, if you do owe it, and go from there.Human: UPDATE- I did get ahold of US bank and they said they sold the debts off to a company in 2007 and they dont have the amounts. I have no idea about these debts. I guess I probably do owe something but Ive never received anything. Not sure where to go from here.  <response>: I have browsed the legal advice sub enough that you probably owe nothing legally, due to the statute of limitations expiring depends on your state, but most are single-digit years. Make sure you do not make any payment, or acknowledge the debt because that might restart the clock on the statute. 