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statute of limitations n.y.

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have outstanding credit approx. 60k. for about 8years since last minimum payment was made on each consumer debt. (credit card)& no payments made towards 40k medical debt. is there a statute of limitations as far as a time span since the debts are considered delinquent to now that collections can no longer be persued, and if so can i at all clear it up on my credit record by just not paying. some debts were accrued in n.y. and some debts were accrued in n.j. medical debt in n.y. 40k.

thanks 69


Senior Member
The debts will never go away. But, the Statute of Limitations in your state will provide a guide for how long a creditor can sue you and win a judgemnent. I would suggest with 60k involved, consult with a lawyer on the time frame and if you are ever sued ,the terminology the court would like to see when you raise the SOL defense. Remember, if you are ever sued, you must respond and raise the SOL yourself.
Also, are you sure no one has a judgement against you? That's an entirely different deal.

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