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In 1996 I lost my job and had no way to pay my bills
I bot a hold of my creditors and made payments to all but 2 sears and radio shack and they said I had to pay in full since I was behind I could not pay them off now 5 years later they have sent my accounts to collections and they are demanding I pay or they will take me to court.
A friend told me that since I have not made a pay in over 3 years thwy can not come back on me ( is this true)
thank you dan from Washington state


Senior Member
My response:

Washington State has a 3 year Statute of Limitations on Open Accounts, which is measured from the last payment date, or from your verbal or oral acknowledgment of the debt.

Credit cards are generally considered Open Accounts. Auto loans and other installment agreements are Written Contracts. If there has already been a lawsuit resulting in a judgement, that judgement has a separate Statute Of Limitations.

If you haven't paid for more than 3 years, or you haven't acknowledged the debt, they cannot win in court. But, in order for you to win, you must plead the S.O.L. in writing.

Good luck to you.


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