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After 7 years can a collection agency go after me for debt my debt was for furniture

Asked Jan 26, 2012, 11:50 PM — 5 Answers
Had a debt from 1996 bought over the Internet by a collection agency in 2004 and it is now 2012 they started calling me in 2011 it is now 7 years after the debt was bought. Can they still phone and harass me

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alpha1.'s Avatar
alpha1. Posts: 3, Reputation: 10
Junior Member
  
#2

Jan 26, 2012, 11:51 PM
Loan for furniture
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alpha1.'s Avatar
alpha1. Posts: 3, Reputation: 10
Junior Member
  
#3

Jan 26, 2012, 11:57 PM
After 7 years can a collection agency go after me for debt my debt was for furniture
The debt was for furniture in 1996 it is now 2012 the debt collectors bought the debt in 2004 and claim that their not going away. They call every morning between 8 to 10 a.m. It is now 7 years after any monies were put on debt and I didn't make that payment when will this harassment stop. They have taken a 3,000 initial debt to 16,000.00
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tickle's Avatar
tickle Posts: 19,313, Reputation: 12336
Expert
  
#4

Jan 27, 2012, 12:13 AM
Statute of limitations In Canada on an unsecured loan is 6 years generally speaking, varies from province to province. What province did this debt occur in?

For instance, BC is 6 years; Alberta 10 years

If you google 'statute of limitations in Canada' you will come up with complete information instantly.
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ScottGem's Avatar
ScottGem Posts: 58,031, Reputation: 28115
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#5

Jan 27, 2012, 03:37 AM


A debt never expires. The owner of the debt can continue to dun you until the debt is paid. However, the statute of limitations has passed so all they can do is dun you, they can't take you to court over the debt.

The next time they call, Get their mailing address. Then tell them that under Federal Law (assuming you are in the US) you are informing them that they should cease calling you and any future contact should be only by mail. Then follow that up with a letter to that effect.
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tickle's Avatar
tickle Posts: 19,313, Reputation: 12336
Expert
  
#6

Jan 27, 2012, 03:41 AM
Quote:
Originally Posted by ScottGem View Post
A debt never expires. The owner of the debt can continue to dun you until the debt is paid. However, the statute of limitations has passed so all they can do is dun you, they can't take you to court over the debt.

The next time they call, Get their mailing address. Then tell them that under Federal Law (assuming you are in the US) you are informing them that they should cease calling you and any future contact should be only by mail. Then follow that up with a letter to that effect.
http://www.askmehelpdesk.com/search....rchid=15382101

OP is in Canada, don't know province, already asked. All post should be combined. Same advice applies for Canada.

{Merged}
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