I have been out of work for about 2 years due to car accident and doctors I recently got a call from a agency saying I owe like $2,500 in a debt for a check that I wrote and it cleared my bank now the check was only for $586.00 now don't I have a 4 year statue of limitations before they can actually start filing a lawsuit or anything against me

If the "check" cleared your bank why do you owe the money, sorry you are not clear, do you owe the bank ? Was the check bad ? Please explain this better

Sorry yes I owe it to the bank and the collection agency has called me

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Originally Posted by jamerson229

i have been out of work for about 2 years due to car accident and doctors i recently got a call from a agency saying i owe like $2,500 in a debt for a check that i wrote and it cleared my bank now the check was only for $586.00 now dont i have a 4 year statue of limitations before they can actually start filing a lawsuit or anything against me

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Statute varies by where you are, what State or Country.

Are you saying that you wrote a check for $586 which cleared the bank in error because you had insufficient funds and now the total you owe the bank (with fees, interest, expenses) is $2,500?

Yes and I'm in united states in Georgia

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Originally Posted by jamerson229

yes and im in united states in georgia

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Interesting question - were you charged criminally? Writing a check with insufficient funds (or on a closed account) is a crime.

The Statute is 6 years on a written contract; 4 years on an oral contract; 1 year for fraud.

Is the collection agency attempting to collect on a Judgment the bank has against you?

Not sure they just told me it was a collection agency and if I didn't pay they would put a judgement against me or lien or take me to court

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Originally Posted by jamerson229

not sure they just told me it was a collection agency and if i didnt pay they would put a judgement against me or lien or take me to court

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Then there is no judgment.

I think you have two choices: pay it or wait and see what the collection agency does next.

You can tell them to stop calling you.

OK thank you and god bless to all

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Originally Posted by jamerson229

ok thank you and god bless to all

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If you do decide to take the collection agency's call and want to gt into a conversation with them, under what law or theory are they pursuing you?

Written contract (when you opened the checking account), something else?

I might be missing something here but unless this is a charge of criminal fraud (which doesn't appear to be the case) I wonder why they "think" they can collect from you.