On XXXX XXXX, XXXX I was contacted by a person saying she was informing me of legal action being taken against me. She informed me I had to call XXXX immediately as they would only try to call me twice before taking me to court. 
I called and was directed to Renew Financial. I asked if this was a collection agency as they gave the impression they were a law office. The woman who answered would n't address that and passed me onto another person who immediately asked why I had n't paid my debt and told me I am being taken to court and sued. I was told I should be receiving my summons for court if I had n't already. I informed them I had no knowledge of this debt or any suite and had received no legal documents. I was told they had sent me information on this. 
I informed them that I have not received anything and I have no money as I am in XXXX, they told me they knew my finances and that I could pay. I told them I live on {$700.00} a month and once again that this was not my debt as I have never had a land line phone in my name and only ever had a cell phone. I was told I would be responsible for all court costs from being sued and that the judge would never believe this was n't my debt as it was tied to my social security number. 
I was badgered until handed over my debit card information to stop them from suing me. 
Later I looked into it, and even though this is a fraudulent charge, I saw that they can not threaten to sue me for a time-barred debt. Whoever was paying XXXX stopped 8.5 years ago in XXXX XXXX and I read the statute of limitations is 6 years in TN. 
I did call back and inform a different person again that this was not my debt and that I could n't pay anyways. This person told me that was fine to send in proof of a police report. 
I am mainly angry and upset over the badgering and threats of a lawsuit even when I told them this was n't my debt and especially since their whole tactic is based on the lie that they are taking you to court, that you will be responsible for all court costs and especially that a judge would never believe me, even though this is a time-barred debt. I feel they must be threating others with lawsuits as well as I could hear others saying similar things in the background.