Collection time limits???

A couple years ago I signed up with a debt consolidation company, which I continued with for a year. At that time, one of my creditors ceased all statements to me. Last year I fired the credit management company and began paying my bills myself again. Still no statements from this one creditor. I had no idea what my balance was.

In January of 2000 I wrote the company a letter asking for a statement. In February of 2000 I wrote another letter requesting a statement and stating that if I didn't hear from them within a reasonable amount of time, I would consider the matter closed. I never heard from them. I should mention that attempts to call them proved fruitless, as well.

In April of 2001 I received a call from a collection agency requesting payment of this bill!!! My question is, am I liable for this bill??? And what are my rights regarding statements, etc. and the general lack of communication from my creditor???

[JETX]

Q1) "am I liable for this bill???"
A1) The creditors failure to respond has no bearing on the validity of the debt. As long as the debt is valid and not expired by the Statute of Limitations, you are liable.

And since you didn't read the rules on the forum (see the RED text at the top of the screen??), we can't even tell you what the SOL is for your state!!

Q2) "And what are my rights regarding statements, etc. and the general lack of communication from my creditor???"
A2) Unless you had a provision in any agreement that gave you specific rights in this area (highly unlikely), you have no rights to demand of communication.