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    cenorman's Avatar
    cenorman Posts: 1, Reputation: 1
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    #1

    Sep 19, 2008, 07:18 AM
    Statute of Limitations on Credit Card Debt
    I paid off a credit card in 2000 after it had been deactivated. A couple of months ago, I started receiving calls from a collection agency about that card. I requested the provide me with information about the account and received nothing. They are now threatening me with small claims court. I have moved several times over the last 8 years and cannot find proof of paying the debt. Is there not a statute of limitations on this sort of stuff?
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #2

    Sep 19, 2008, 07:55 AM
    Quote Originally Posted by cenorman
    I paid off a credit card in 2000 after it had been deactivated. A couple of months ago, I started receiving calls from a collection agency about that card. I requested the provide me with information about the account and received nothing. They are now threatening me with small claims court. I have moved several times over the last 8 years and cannot find proof of paying the debt. Is there not a statute of limitations on this sort of stuff?

    Yes, and the Statute is different from State to State.

    What State?

    Statute runs from the last activity on the card - payment or use, not from when the account was opened (which is a common misconception).
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