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#1
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Need advice/sued for credit cardWhat is the name of your state? Pennsylvania I received a letter to appear at District Court for a credit card that was "opened" in 2001 and has not been used for years and years. My account was sold to a collector and they are suing me for a total of 1,970 dollars! I totally forgot about this card "at first" because I havent worked for years had surgery/ and I am on disability since 2002. When I remembered after going online, I remember the girl calling me and I told her about my surgery, she said no problem, we are closing the account. So I get this mail and sent for my credit report. Here is the info according to the credit bureau . Ok info on my credit report is; The limit was 600 dollars. I had charged 594. I had made payments totallying 500. They added interest all this time and like I said its now almost 2 grand. I assume they are coming after me because I am now remarried (2nd husband). Do I have a chance at fighting this? Geesh, I know I signed a contract, but 1,970 dollars on a credit card that I only owed 100 on yet! I have two questions; Can I win if I take my credit report with the credt info? And in PA I read the statute of limitations to sue is 6 yrs. So is that 6 yrs from opening the account or 6 yrs since active? Thanks for any help.What is the name of your state? |
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#2
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| 6 years from the date it went into default - usually 30 days after the last payment was made. |
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