Did the Statute of Limitations Expire for Debts Not on My Credit Report?


Dear Steve,

I am getting calls and letters about loans that were signed for in 2003 and 2004. Wouldn’t these loans be passed the SOL.

How does bankruptcy affect statute of limitations? Does it start the clock back at zero in regards to time you have to pay it? What if I am getting calls about debts that are not on my credit report?



Dear Shannan,

The answer is they might be past the SOL but so what. To verify if your loans are actually past the Statute of Limitations in your state you will need to consult with an attorney who is licensed in your state. There are factors that can start and stop the clock so you can’t just rely on a blanket date.

The fact is not listed on your credit report is not material. Debts listed on credit reports or not listed are not indicative of anything. Debts are only listed because some entity chose to share that information with the credit bureau. It has no meaning if you have a valid outstanding debt.

Bankruptcy eliminates the debt. Period.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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