jayzad said:What is the name of your state? Kentucky
What is the statue of limitations is on unsecured credit card debt, starting from the last day of any activity on the card. Debt occurred while living in the state of West Virginia, and now I live in Kentucky.
jayzad said:I'm sorry I thought this was Free Advice.com not Free Advice for spelling.com. I don't know what suck axx state you live in, but they all have trailer parks. Where I live we treat each other with respect, or one is asked to step out side. Oh did you notice all my spelling problems this time. Have fun correcting them. To hang out at a BB site and correct peoples spelling tells me a lot about you. Get a life. Maybe someone else will help, because you should did not.
Thanks to those that help others at this site.
It 'helps', but is only PART of the CORRECT answer.bmd59 said:Hope this helps...
JETX said:It 'helps', but is only PART of the CORRECT answer.
And it is that other (even more important) part.... that is being withheld (at least by me) due to the attitude of the OP.
See this is part of the problem when people who THINK they know the law try to post.... when they really don't. Wrong 'advice' is worse than no advice.
jayzad said:Now back to my questions and to those of you that have helped , I've searched this site and found some of the information bmd59 posted, but I don't think it answered my questions.
Question
If a person responds to credit card solicitation, and fills out the paper work and sends it back to the company.
Is this considered an unsecured credit card account?
Then at a later point in time all payments towards that account are STOPED, DEFULTED, and no further payments are made.
At that point in time how long is the SOL for the credit card company to sue for judgment?
Account was opened while living in WV, and now living in KY.
What difference will that make?
Ps. To the spelling bee champ. "And, what does, "because you should did not" mean?" because you sure did not. Drop it. Please go to spelling, and grammar dot com. I don't have the time.
Thanks again to those of who have read my post, and have tried to answer my questions.
Ladynred said:Oh this unrestrained stereotypcial prejudice by certain parties is ongoing and completely unjustified. Some people still think the southern states are stuck in the civil war era where the population is still wearing coonskin caps and totin' flintlocks.
Where did you get that?? I don't remember any such requirement in the FDCPA.Ladynred said:Per the FDCPA, IF a creditor/collector is going to sue you, they must do it in the state where you entered into the agreement, or the state where you live NOW.
FDCPA says NOTHING about any venue clause either.ß 811. Legal actions by debt collectors
(a) Any debt collector who brings any legal action on a
debt against any consumer shall;
(1) in the case of an action to enforce an interest in
real property securing the consumerís obligation,
bring such action only in a judicial district or similar
legal entity in which such real property is located; or
(2) in the case of an action not described in paragraph
(1), bring such action only in the judicial district or similar legal entity
(A) in which such consumer signed the contract
sued upon; or
(B) in which such consumer resides at the commencement
of the action.
I knew of that section... but that isn't what you said. Your post was:Ladynred said:JetX, maybe you'd better go back and read the FDCPA