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Statute of Limitations

I Work for a Debt Relief Company and Have a Question About a Client. – Chris

Adult Ed - Questions

“Dear Steve, I work for a debt settlement company. A client believes he is free from debt after 4 yrs if they havent collected. Is this true? Chris” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click ... Read More »

When Does the Statute of Limitations End on My Foreclosed Mortgage? – George

time and money

“Dear Steve, I’m resident of CA (only live in CA), but I had a property in AZ . I had purchase money deal 80/20 original loan. I had to refinance less in a year later because HOA had rules on backyards on the golf course (was not disclosures too me). So I had to refi my 2nd TD and I ... Read More »

Which States Statute of Limitations Applies to My Old Debt? – Brooke

Magnifying Glass - Q&A

“Dear Steve, I purchased a van in Florida back in July of 2005. I did a voluntary repossession in February of 2007 in Virginia, after the bank would not wait two days for my first paycheck to clear my checking account (was two months behind). I never heard anything further from the bank after that (I realize now I should ... Read More »

Should I Ignore My Old Debt and Let it Fall Off My Credit Report? – Adriana

money

“Dear Steve, I have three old collections…1st one is 3yrs old, 2nd is 4yrs old and 3rd is 5yrs old…Should I try and pay them off??? I am trying to clean my credit but not sure if to the them if they are under 3yrs or 4yrs and the older ones wait to fall off? Which old collections should I ... Read More »

A Company Says They WIll Sue Me Over a Decade Old Capital One Debt. – Cheryl

no bullshit

“Dear Steve, I received a call on my cell from a blocked number this morning at 8:00 am that left a message giving a phone number and case number and stating it was from Legal Service, no company name, and something about issuing a summons. I called the number back and spoke to someone who claimed she was from FSM ... Read More »

I Just Received a Summons From Bank of America. Can I Use the Statute of Limitations as a Defense? – Chris

justball-144x125

“Dear Steve, I just received a summons that I am being sued for what looks like an old Bank of America credit card debt (amount over $10K). This is by a collection agency that purchased the debt, and they are using a legal firm to do this. The state is Idaho. Both the collection company appears licensed to do this ... Read More »

I’m Being Sued for a Debt From 28 Years Ago With My Ex-Husband. – April

justball-144x125

“Dear Steve, Divorced 24 years ago. Being sued for credit card debt from 28 years ago. Judgment filed against me in 1992. My x-husbands and my name are listed as defendants, “et al”, but only my name appears in the body of the judgment. My x-husband was the applicant and I was the co-applicant. I have no recollection of this ... Read More »

Noteworld Could Not Settle My Discover Account and I Now Think It’s Expired Under the Statute of Limitations. – Mary

justball-144x125

“Dear Steve, I was with Note World Settlement for a long time. After them not being able to settle with Discover after 7 year. They told me Discover could NOT do anything to me any more (staute of limiation law) I live in WI. Now I got a bill from Discover for the full amount do now!! what do I ... Read More »

I Owe a Debt from 7 Years Ago and Just Gave Them a Payment. Will I Still Owe the Debt? – Rachel

justball-144x125

“Dear Steve, I just got a you must pay in full from a debt collector company, I was researching and I believe the statute of limitations on medical bills for the state of Idaho is 7 years. So my question is my outstanding medical bills are from 2005, and I have just now gotten something from this company that they ... Read More »

I Moved to Virginia from New Hampshire and I’m Being Sued for An Old Credit Card Debt. – John

justball-144x125

“Dear Steve, I have a court,in May. I moved to Virginia from NH about six years ago. This debt orginated in NH, the debt is from a credit card from about six or seven years ago. I know that a debt can be transfered from one state to another. I would like to know to how far back on a ... Read More »

What is the statue of limitations in Iowa on revolving credit or debt. – David

justball-144x125

i bought a motorcycle with what the called a revolving credit card. the salesman told me i would get cash back and three months no payments. i didnt read the fine print. :( the money back was for the first three months payments. i didnt get a past due notice till after the third month then a week later i ... Read More »

Statue of Limitation for Louisiana – Clara

justball-144x125

I have past due accounts, not credt card accounts, I believe they are contract accounts I would like to know what are my options? What is the statue of limitation for Georgia? What is the Statue for Louisiana? The past due accounts were when I lived in Georgia but I have relocated to Louisiana. Thanks, Clara P.S. Have a wonderful ... Read More »

Why Would Anyone Pay a Debt Outside the Statute of Limitations? – Mike

justball-144x125

“Dear Steve, I had a credit card several years ago that I never paid and was never sued on within the statute of limitations and when it passed the seven year period it dropped off my credit report. I changed my phone number before I stopped paying and the original creditor and the collection agencies never found my current phone ... Read More »

Debt Collector Wants Money I Already Paid. – Larry

justball-144x125

“Dear Steve, I had Aetna medical insurance through December of 2008 and enrolled in Kaiser beginning with my 2009 health insurance. I just received (dated Nov 2) a collection notice from the bill collector, RMS, representing Aetna stating that I owe the Aetna Mail Order Pharmacy for two prescriptions in 2008. They give no information of what the medications were, ... Read More »

Can I Be Sued for Encyclopedias I Bought 13 Years Ago? – Katie

justball-144x125

“Dear Steve, In 1996 or 1998 i purchased some encyclopeida from a sales man and at the time he quoted every one in our little town a price which was under 500.00 and then he talked us into them and then i had had to pay a down payment of 75.00 and the rest was in installedment when the invoice ... Read More »

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