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Old 11-29-2006, 10:57 PM
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new house, old debt

What is the name of your state? New York
I want to buy my first home. I have unpaid credit card debt from 13 years ago and they're still sending me letters. Can the collection agencies put a lien on my new home? I never owned anything till now.
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Old 11-29-2006, 10:58 PM
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Originally Posted by judy31 View Post
What is the name of your state? New York
I want to buy my first home. I have unpaid credit card debt from 13 years ago and they're still sending me letters. Can the collection agencies put a lien on my new home? I never owned anything till now.
In order to put a lien on your home, they must first get a judgment. In order to get a jugement, they must sue you. You can certainly use the statute of limitations as a defense, which means that they would not win in court.
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Old 11-29-2006, 11:03 PM
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What's the statute of limitations on credit card debt?
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Old 11-29-2006, 11:07 PM
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Judy, google is your friend:

STATUTE OF LIMITATIONS (IN YEARS)

Open Account: 6
Written Contract: 6
Domestic Judgment: 20 (10 year renewable lien)
Foreign Judgment: 20 (10 year renewable lien)
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