Credit Card - Statute of Limitations Exceptions - Florida

[66950770]

Let's make this simple.

When a creditor files a complaint that complies with the statute of limitations for credit card debt..

But they are unable to serve the individual..

Do they then enjoy a limit exemption if they were to resubmit the complaint beyond the originally permitted time?

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I opened a credit card account in 1998

I defaulted in 1999

They were unable to serve me

The case was placed inactive and then grouped into a mass dismissal order by the court about six years ago

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Of course if they can successfully argue actionable compliance with the original statute of limitations

And can receive an exemption

Then it would seem they can sue for eternity at their own discretion regardless of when

 

[Zigner]

I have actually tried to work with this institution just recently in good faith to clear the balance but they are stubborn and unprofessional.

Says the debtor who stiffed them.

Unfortunately, it's probably too late for them to do anything. Please keep in mind that you aren't going to want to open an account with them ever, lest they invoke their right of setoff.

 

[FlyingRon]

Just what did you do in your attempts to resolve things? Did you make even a minimal payment in the process?
Have you resided in Florida continually during the time period?

 

[66950770]

You know..

I have read this forum for years..

And I am personally amused by how quick you guys are to defend these creditors..

It's like you work for these lenders but none of you have likely collected a check from one..

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So let me reach back this way..

I borrowed money from a creditor when I was younger..

I defaulted..

They lost money..

That's the risk of doing business today when you're a lender..

 

[Zigner]

blah blah blah

Bless your heart.

 

[66950770]

Just what did you do in your attempts to resolve things? Did you make even a minimal payment in the process?
Have you resided in Florida continually during the time period?

Making the minimum payment beyond default would have been a bad decision..

This could have effectively reset the allowable credit reporting period..

And caused more longevity damage to my credit reports than simply allowing a clean discharge..

 

[66950770]

Bless your heart.

Get back to me when all these creditors you guys aggressively defend have written you a check for your continued support.

 

[Zigner]

Get back to me when all these creditors you guys aggressively defend have written you a check for your continued support.

That statement makes no sense. My income isn't derived at all from the financial sector.

You really do come across with a deadbeat debtor attitude.

 

[66950770]

It makes perfect sense.

Too many of you guys judge the person asking a question here.

I mean what do you truly care why an op here has unpaid debt?

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The concept of this forum if simple.

The op asks a question.

Someone answers it with a relative and constructive statement that matters.

I think I speak for many when I say character claims are counterproductive to the causes here.

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I mean..

You present yourself as someone who beats his wife and drives intoxicated every night.

See how baseless and irrelevant that statement is?

The creditor lost money..

Get over it.

 

[Zigner]

You present yourself as someone who beats his wife and drives intoxicated every night.

What a maroon.

 

[FlyingRon]

Making the minimum payment beyond default would have been a bad decision..

This could have effectively reset the allowable credit reporting period..

And caused more longevity damage to my credit reports than simply allowing a clean discharge..

I can't help you if you don't answer the questions.

Did you make ANY payments (doesn't even have to be the minimum). $1 would reset the SOL.

Were you continually present in Florida? Being absent tolls the SOL.

Why do you come here if you just want to throw insults at those tryign to help.

Good luck, I'm done here.

 

[66950770]

I was mostly present within the state during that time.

And not one dollar was paid from the first late payment thereafter.

This creditor will receive not one dime.

End of story.

 

[justalayman]

Get back to me when all these creditors you guys aggressively defend have written you a check for your continued support.

Actually there is a member who received many checks from creditors. He operated a collection agency. My spouse was a debt collector so she was effectively paid by the creditors as well


So you were saying?


Beyond that, depending on why you could not be served the SOL may have been tolled

A statute of limitation defense isn't always as simple as;

Delinquency started on date A
Date A plus X years is the end of the time a creditor has to file suit.

 

[westside]

I was mostly present within the state during that time.

And not one dollar was paid from the first late payment thereafter.

This creditor will receive not one dime.

End of story.

So to summarize:

1. You entered into a voluntary agreement.
2. You failed to live up to your side of the agreement.
3. You're bothered by feedback that called you out for being the liar you are, implying for reasons unknown that in this scenario, we should blame the side that performed in accordance with the agreement.

Makes perfect sense.

 

[66950770]

Not entirely accurate.
Great false ending to a real story though.