Search:

That would toll the SOL in the original state of residence.

The laws in the state in which the consumer resides would take precedent regardless of where the transaction took place.

When you set up your payment plan in 2001, did you sign a Stipulation of Judgement? If so, when you defaulted on your payment agreement, a judgement may have been entered against you. Since it has...

SOL in UT is 6 years


Utah Code -- Title 70A -- Chapter 09a -- Uniform Commercial Code - Secured Transactions

What state do you live in? You stated this went to bad debt 10 years ago? When was your last payment? SOL in most states starts with that date. Credit Reporting would be 7 years + 180 days from...

If there is an estate, then secured creditors would be paid first, then unsecured (CC's).

They would first need to obtain a judgement in order to garnish anything if your state even allows it. What state are you in? When the vehicle was sold at auction, was there a deficiency balance? ...

Depends on your company policy as to whether your vacation is earned vs accrued. My company earns 1.6 days per calender month and we are allowed to take 40 hours of unearned vacation. If we leave...

What state do you live in?

Federal reporting period is very clearly spelled out in the FCRA. The state you live in determines the Statute of Limitations for legal action and has nothing to do with reporting time limits. A...

NY has adopted the UCC into state statute. Regardless, if it's been 6 years since the account went into default, this debt is still time-barred. It may not stop them from filing and obtaining a...

Try Who Gave Me Credit

SOL for this would be covered under the UCC SOL of 4 years. Their threats of suit on a time-barred debt are a violation of the FDCPA.

You can pull your reports for free annually at www.annualcreditreport.com

Was this a Joint Account or were you an Authorized User only? AU=no financial responsibility whatsoever.

Most data furnishers agreeements with the credit reporting agencies stipulate that they will not delete accurate information. If you're dealing with a collection agency, you can ask for a pay for...

When was the last time you made a payment? Stephieee is right. SOL starts with the date of last payment so you might actually be out of statute. Unless you live in WI or MS, an unpaid debt is...

SOL in GA on Open-ended accounts is 6 years and 3 years in CO. Both states have a 6 year SOL on written accounts so it would depend on what type of debt this is and whether you can find valid case...

This is well beyond the 4 year SOL in Texas. I would send them a FOAD (f@#k off and die) letter and be done with it.

VAgentlemanroa - a verbal agreement is not enough to reset SOL in TX. Or...

How old is this debt? WI has a 6 year Statute of Repose which extinguishes the debt on expiration of the Statute of Limitations.