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 »

“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 »

“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 »

“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 »

“Dear Michael, Assignee of credit card issuer got judgment against my son in 1998 and recorded it in July 1998. Nothing happened for over ten years. In 2010 they filed a motion to garnish his pay, which was the first he knew of the judgment. I believe they were required to renew the judgment after five or seven years, which ... Read More »

“Dear Damon, I received a letter from Debt Collections USA dated 2/23/11 that said they had been hired to peform a “billing service” (their quotation marks) for City Urgent Care for a total of $90. I am a resident of West Virginia and City Urgent Care is in West Virginia as well. I sent them a letter on 3/14/11 disputing ... Read More »

A recent $311,000 judgment against a North Dakota law firm makes it apparent why the debt buyers have to be very careful when relying on the data supplied by the previous owners. Back in the 1990s a Montana man had a Chase credit card with a $3,000 balance. He became disabled and unable to repay the debt. Chase charged the ... Read More »

The New York Times is reporting that more consumers will now be informed if old debts can be collected through the court or if they have passed the statute of limitations. Bill collectors in New Mexico will be soon required to inform borrowers they can’t be taken to court for long-overdue debts, changing the landscape for consumers and creditors in ... Read More »

I have no statements from collecion agencies. First is Providian. charged off 2003. They sold accout to KnightsBridge (Ohio), settled with them in 2009, they are out of business. All I have is my banking history. Now Midland Financial is demanding money. I have sent a VOD letter, not heard anything back. Next one, 2002 charged off with Capitol One. ... Read More »

Tom “Dear Steve, I was evicted from a home in New Jersey 1989 and this week I get a letter from a lawyer stating that he represents the owner and wants me to send him over $5000.00 to settle debt with interest. He also states that “”Failure to do so may leave us no choice but to move to litigation, ... Read More »

“Dear Steve, Jd enterprises contacted my husband at work about a debt from AT&T that is over 10 years old. They told him we owed $1300, but would accept $800 today. If we didnt settle today he couldnt’t gurantee anything else and we would be served to go to court and then would owe $2500 for legal services. My husband ... Read More »

“Dear Steve, Back in 2001 I had an account with Capital One. I disputed a charge and never paid and it resulted in them both closing and charging off the account in 2002. This was over 8 years ago. I have heard nothing on them, no collections letter, no judgements; nothing. Then out of the blue I receive a letter ... Read More »

Service personnel experience financial difficulties that are unique and need special attention. Fortunately, there are special laws to help them cope and this article discusses their rights and protections under the Soldiers’ and Sailors’ Civil Relief Act, 50 U.S.C. §§ 501 et seq. What is the Soldiers’ and Sailors’ Civil Relief Act? The Soldiers’ and Sailors’ Civil Relief Act (“the ... Read More »

“Dear Steve, I received a Summons to appear in Civil Court. The Plaintiff is a collection agency, attempting to collect over $18,000. The Summons included a fax cover sheet from Chase Bank, with whom I had an account years ago. I live in Missouri, and the SOL for open accounts is 5 yrs. My credit report indicates that the account ... Read More »

“Dear Steve, I had my bank account bounce for a 263.00 credit. now I have over $900 and counting in bank fees. I am berried in debt and unemployed, I want to know how long a debt is valid (statues of limitations) but I don’t understand what is written for the “Oregon statutes of limitation” listed below, can you please ... Read More »