8yr_old_debt
Junior Member
I live in Minnesota.
I purchased a computer in 1995 from Best Buy. I was suckered into that deferred payment plan and was about to run over my window of repayment to avoid finance charges.
My boyfriend at the time offered to borrow me the money (approximately $1600? Max $1800. I still have to verify the amount but am going to do that tonight). I told him I'd pay him back and he said OK, but that he really wanted to help me/the money wasn't important, he didn't need the cash.
We split up in early 1998 when he moved to Chicago. I moved to TX shortly after that but moved back to MN in 2000. Nothing was talked about this loan other than him saying it wasn't a big deal to him. I had given him several checks for payments and send 2-3 to his office in Chicago (again am going to see if I can find the check registers/carbon copies tonight).
He did not cash any of these checks. Only one at least 1 year after I'd written it (I think approx. 5-6 years ago). I called him after he cashed it since it had been so long since I'd written it and I was upset he didn't warn me since it was for $200 and he did know my financial situation. I felt he did that out of spite.
We talked and again, he said it was not a big deal to pay any more money and he just cashed the check since he found it without really thinking much of it.
Exactly 2 years ago nearly to the day, he e-mailed and called me because he was still in love with me and needed to know for sure if there was ever a chance of a reconciliation. There is not a chance, our conversation was civil but not what he wanted.
We have not had any contact since then until last week when we spoke on the phone for probably 10 minutes. At first the conversation was fine, just old friends catching up but then he became agitated and I could tell his emotions started playing again. I ended the call shortly thereafter and now he is wanting this money.
I know that he is doing this out of anger. I realize this has no bearing on the law, but that is the background.
He says he is going to file a judgement. He will have to file this judgement with Minnesota courts correct? Since the debt was incurred in MN? What is the statute of limitations? I found a site that said 6 years but it sounded like it was for commercial/consumer debt and I'm not sure if this qualifies. Does the time limit start after he cashed that $200 check or after I wrote that $200 check? We just recently e-mailed about this and I told him that it has been too long; did I just screw myself royally by this e-mail exchange?
The other side of this is that the loan was for the computer and I happen to still have the computer. Does this qualify as a secured loan and if so could I just give him the computer or at least offer it in court?
I purchased a computer in 1995 from Best Buy. I was suckered into that deferred payment plan and was about to run over my window of repayment to avoid finance charges.
My boyfriend at the time offered to borrow me the money (approximately $1600? Max $1800. I still have to verify the amount but am going to do that tonight). I told him I'd pay him back and he said OK, but that he really wanted to help me/the money wasn't important, he didn't need the cash.
We split up in early 1998 when he moved to Chicago. I moved to TX shortly after that but moved back to MN in 2000. Nothing was talked about this loan other than him saying it wasn't a big deal to him. I had given him several checks for payments and send 2-3 to his office in Chicago (again am going to see if I can find the check registers/carbon copies tonight).
He did not cash any of these checks. Only one at least 1 year after I'd written it (I think approx. 5-6 years ago). I called him after he cashed it since it had been so long since I'd written it and I was upset he didn't warn me since it was for $200 and he did know my financial situation. I felt he did that out of spite.
We talked and again, he said it was not a big deal to pay any more money and he just cashed the check since he found it without really thinking much of it.
Exactly 2 years ago nearly to the day, he e-mailed and called me because he was still in love with me and needed to know for sure if there was ever a chance of a reconciliation. There is not a chance, our conversation was civil but not what he wanted.
We have not had any contact since then until last week when we spoke on the phone for probably 10 minutes. At first the conversation was fine, just old friends catching up but then he became agitated and I could tell his emotions started playing again. I ended the call shortly thereafter and now he is wanting this money.
I know that he is doing this out of anger. I realize this has no bearing on the law, but that is the background.
He says he is going to file a judgement. He will have to file this judgement with Minnesota courts correct? Since the debt was incurred in MN? What is the statute of limitations? I found a site that said 6 years but it sounded like it was for commercial/consumer debt and I'm not sure if this qualifies. Does the time limit start after he cashed that $200 check or after I wrote that $200 check? We just recently e-mailed about this and I told him that it has been too long; did I just screw myself royally by this e-mail exchange?
The other side of this is that the loan was for the computer and I happen to still have the computer. Does this qualify as a secured loan and if so could I just give him the computer or at least offer it in court?