[eviltwinsrule]

I have past credit card debt of $4200. My last payment was in May 2003. I lost my job in June 2003 and moved to another city. I never left a change of address with the collection agency. I have lived at my new address for 5 years and 4 months. I have started getting calls again in the past month from Vital Recovery Services out of Georgia. Can I still use the statute of limitations for North Carolina even though I moved and never left a forwarding address or phone number in all those years. I don't have a car or own a home and their only option is to garnish my wages. What can I do if I still can't pay this debt?

[this8384]

I'm not sure which state you're currently residing in because you made references to both Georgia and North Carolina. If it's in either one of these states, the SOL has expired; NC has a 3 year and GA has a 4 year. If the SOL has expired, then they have lost their right to legally sue you. If this is the case, I would send them a letter stating that they need to cease any and all attempts to contact you as the SOL has long since expired.

Statute of Limitations - Open accounts for debt collection

[Fr_Chuck]

They would use the one where you are now living.