Collecting old accounts is against the law!!!!

I am constantly being harassed by these attorney’s for debt that is over 20 yrs old and which was settled in full! According to law they are not allowed to collect debts that have expired and defaulted! Every year I get harassed, In process one of there debt collectors also warned me that they will list me on ITC! According to law you are not allowed to list a debt more than once on ITC. I will not pay this again, and I am sick and tired of your rude debt collectors! I have not had a Nedbank credit card in over 20 yrs! So stop harassing me or I will report you to debt collectors council!