1999 credit card debt , sued 2007 cali, satute?
Hello,
I am new here and I am very grateful on some expert advice that help a lot on my credit card debt... I'll make it simple.I was summoned by a collection agency or/ lawyer and I answered them back,learned from this site to ask for debt validationin writing . Now this is what I face
1.Can the collection agency charge me for request of debt validation papers, etc, they gave me 15 days to respond, it said 15cents per page+ 25.00 delivery charge + some percentage for year for copies requested, they hired a photocopy services . Should I sign the bottom?? I thought it is free from section 809(b) of federal trade , if I pay can the judge reverse the payment because they were in violation? But what if I signed it? Should I send it back with the law regarding section 809(b) with no signature??
2. The credit card I have is for hsbc opened in 1999 (as it said on the papers I'm requesting)I know it was a diff. owner before now , the statute of limitation in California is 7 years, correct me please, now I entered to a debt cosolidating in July 2002 all my credit card including this acct, but in December 2002 ,I lapsed in payment and closed the acct from them in feb 2003 for no payment, my question is the SOL ""was renwewed"" when I tried to pay them in 2002, they can take me to court, because the new SOL IS 2002,? PLEASE HELP ME, I'm a single mom of three Twins and a boy , trying to do it by myself can't afford a lawyer,