Just write return to sender on the front and put unknown not at this address.
If you want them stopped, ask for the physical address in which to send a cease and desist letter regarding calls. They can still send letters and proceed to legal collection activity.
b
owe
Yes, in many states a bank can sell your overdraft debt to a collector if they never notified you about the debt and your address never changed.
Although he received the acquittance from his main bank, he still had to pay his debt for this other bank.
IOU
yes
Debt is not an eligibility factor.
You would use collection letters to try and collect a legitimate debt. If someone owed you or your company money, you would mail these to try to get the debt paid.
No. You are in debt as much as you still owe on the mortgage.
Yes. Deletion from the credit report does not affect whether the debt is owed or whether the statute of limitations on the debt has expired. Note that even if the statute of limitations has expired, collectors still can try to collect the debt -- they just cannot use the courts (or threat of legal action) to collect the debt. If you are getting collection calls on a debt that is past the statute of limitations, just send a written demand to the collector to cease all calls.
There are many different websites online which offer debt collection sample letters. If you go to websites such as Privacy Rights you can find all the information you need there.