Credit Card Debt

[convoy71]

What is the name of your state?What is the name of your state? PA. I have a credit card debt from the year 2000. The credit card company turned it over to a collection agency and now they are calling my house every day, and sending me certified letters in the mail, saying that if I do not pay it back within 5 days, that they are going to file a small claims complaint against me, so I was wondering if they can do this?, since this debt is 6 years old already. I was wondering if there is a statue of limitations on credit card debt?

 

[seniorjudge]

What is the name of your state?What is the name of your state? PA. I have a credit card debt from the year 2000. The credit card company turned it over to a collection agency and now they are calling my house every day, and sending me certified letters in the mail, saying that if I do not pay it back within 5 days, that they are going to file a small claims complaint against me, so I was wondering if they can do this?, since this debt is 6 years old already. I was wondering if there is a statue of limitations on credit card debt?

Standard answer on expired SOL and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL
http://www.bcsalliance.com/y_debt_sol.html

http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html


Validation letter samples you can get at :
www.creditinfocenter.com
and www.creditboards.com


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: http://www.creditinfocenter.com/creditreports/

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

https://forum.freeadvice.com/showthread.php?t=293829

 

[zippysgoddess]

The SOL in PA is 4 years, this would start counting from the last time a charge or a payment was made on the account, not from the time the account was originally opened. So if you have not paid or charged on the card in 4 years or more, then it is past the SOL.

This does not mean they cannot file a suit, it simply means that you can use that as your defense when you appear in court to have the suit dismissed as the debt being time barred.

You can send them the Cease&Desist letter if you wish, but before you do, make sure you are definitely past the SOL, because if you aren't then you leave them no recourse but to sue you.

This also does not apply if they have already sued you at some point in the past and already have a judgment against you. Those are good in PA for 6 years and can be renewed.