Ask Experts Questions for FREE Help !
Ask
    Jaykid007's Avatar
    Jaykid007 Posts: 74, Reputation: 1
    Junior Member
     
    #1

    Nov 7, 2008, 08:41 PM
    Cell phone collection
    Cell phone was charged off 10 years ago and doesn't show up on the credit report anymore. Somehow the collection agency found phone numbers and updated address. The collection is $700. Not showing on the credit report anymore since is over 7 years old and can't find any old credit reports showing the date of last payment. The statute of limitation is 4 years for CA. The last message left is that the collection agency is going to file a judgement. I could easily put its time barred and exceeds the statute of limitation for CA but don't have proof. Should I write the collection agency to send the document copies of their files to prove this claim? If I had a credit report, I could prove that it is time barred.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
     
    #2

    Nov 7, 2008, 09:11 PM

    Ok first "charged off" is an accounting term and has no bearing at all on the question. The SOL, and the last date of payment.

    Also you merely inform them not to contact you further, and if they try to go to court it will be their issue to prove that it is within the SOL.

    Now they can legally bill you and bill you and bill you, Unless you filed bankruptcy the debt does not just go away, so they can bill you the rest of your life, since you owe the money, but after the SOL they just can not sue you any longer

Not your question? Ask your question View similar questions

 

Question Tools Search this Question
Search this Question:

Advanced Search

Add your answer here.


Check out some similar questions!

Can I transfer my cell phone contact list from phone to computer? [ 6 Answers ]

Can I transfer my cell phone contact list from my cell phone onto my computer? I have a LG AX8600 cell phone. What type cord will I need to use for my computer and cell phone?

Blocked Phone number calling wireless cell phone [ 4 Answers ]

Hello my name is Jessica. Is there anyway anyone can help me figure out a blocked number that is calling my cell phone? If there is anyway to find out who the blokced number is that is really calling me.

Which is the best cell phone and cell phone plan in Verizon? [ 5 Answers ]

Which is the best cell phone and cell phone plan in Verizon?My contract is about to end.I want to switch to Verizon.So any suggestions?

Cell phone at 10 [ 7 Answers ]

My daughters birthday is On Friday and she's been asking for a cell phone. She does talk on the phone a lot. Im seriously considering giving her the cell phone line that my brother use to use. I don't know, any thoughts?

Cell Phone [ 2 Answers ]

Are there any websites that have totally free music down loads for sprint cell phones :confused:


View more questions Search