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Old 01-10-2005, 11:13 AM
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Statute of Limitaions

What is the name of your state? Utah

What is the statute of limitations on a BK reaffirmation agreement (from a credit card debt) signed in April 1998? No payments were ever made.
Last edited by msm715; 01-10-2005 at 11:25 AM.
  #2  
Old 01-10-2005, 11:24 AM
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Join Date: May 2004
Posts: 633
Well, it's either going to be 6 years (written agreement - which this may be since you signed a reaffirmation agreement) or 4 years (open ended - credit card).

Did the judge sign off on the reaffirmation?
  #3  
Old 01-10-2005, 11:31 AM
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I did check and the agreement was filed with the court right before we received the discharge. We never heard from the collection attorney again until about 8 months ago when we began receiving billing statements. I was thinking the SOL was up so I never responded to them. They recently sent a letter asking me to call to resolve the matter along with a statement that unless I disputed the debt within 30 days they would assume it to be valid.
  #4  
Old 01-10-2005, 11:41 AM
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Send them a debt validation letter prior to the 30 days being up.

Click here: [url]http://www.creditinfocenter.com/rebuild/debt_validation.shtml[/url]
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