debt collections statute of limitations

[merlin6toes]

What is the name of your state? Indiana
I received a call about a debt my husband has from 1996. They said they were suing him over a bank/credit card that had a 3-4hundred dollar balance. he had 24 hours to contact or he'd be sued. The woman gave me all the information(whichI didn't think she was allowed to do) and told me they would settle for three hundred and something. She even sent me a letter by email. Is this legal for her to give me all the information, we have been married a year, and he has not had any contact with them what so ever. And on his credit report it says charge off.... don't know what options/and or rights we have.
Thank you for any help or information
Merlin6toes

[Veronica1228]

Originally Posted by merlin6toes

What is the name of your state? Indiana
I received a call about a debt my husband has from 1996. They said they were suing him over a bank/credit card that had a 3-4hundred dollar balance. he had 24 hours to contact or he'd be sued. The woman gave me all the information(whichI didn't think she was allowed to do) and told me they would settle for three hundred and something. She even sent me a letter by email. Is this legal for her to give me all the information, we have been married a year, and he has not had any contact with them what so ever. And on his credit report it says charge off.... don't know what options/and or rights we have.
Thank you for any help or information
Merlin6toes

If they were a CA then no, they should not have given you this information. If they were the OC then they can. If they are a CA let the person know she is violating the FDCPA and that you plan to report it. Below is a website that explains your rights under the FDCPA and how to report violations.

[url]http://www.creditinfocenter.com/[/url]

By the way, the SOL for credit card debt (open accounts) in Indiana is 6 years from the date of last activity. Send a C&D letter to them by CRRRM. You can find sample letters at the link I provided above.