<prompt> Human: Yesterday I received a call from the offices of Something and Something to collect on a debt.After confirming I was me, they told me the debt was from a Cashland payday loan I took out in 2004 and somehow it never got paid I honestly do not remember this at all as it was 13 years ago. I owe 350 and they are trying to collect on this 13 yr old debt and I believe this is the first I have heard of this.I do believe the debt is valid, I had used Cashland a few times around that time and they said they had the file with my license, ss card, bank info and employer info.My questionsAm I obligated to pay this 13yr old debt?And are they able to report this to credit it has never been on my credit report?If not, What do I tell them next time they call?  <response>: Credit report is king. If its not on there then it doesnt exist. Tell them to pack sand. 