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statue of limitation question

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question

Joined: 31 Aug 2009
question's page
Posts: 45

1314 Magic Points

Subject: statue of limitation question

Tue Sep 01, 2009 2:22 pm

can someone tell me please if the SOL for the below has passed;
date of status 5/03; and SOL in NJ is 6 years
can the collector still pursue the law suit and win in court; or will they drop it
i received a summon this week and i have 25 days to answer the summon.
should i send an answer stating the SOL has expired; or is the credit report not enough to win the case?
thanks much

Status: Account charged off. $750 written off. $1,888 past due as of Dec 2008.

Date Opened:
05/2001
Reported Since:
05/2001
Date of Status:
05/2003
Last Reported:
12/2008

Creditor's Statement: Account closed at credit grantor's request.
Status Details: This account is scheduled to continue on record until May 2009.

reader

Joined: 01 Sep 2009
reader's page
Posts: 3

67 Magic Points

Subject: statue of limitation

Tue Sep 01, 2009 4:07 pm

I would contact the credit bureaus and make sure they are away that the person has passed. IL's limit is 7 years.

question

Joined: 31 Aug 2009
question's page
Posts: 45

1314 Magic Points

Subject: no sign of the debt on the credit report

Tue Sep 01, 2009 4:12 pm

i just obtained credit reports from 2 different sites and there is no sign of that credit card or any collection agency for that debt. does that mean it's cleared out now. do i have the right to answer the summon and tell them that this debt is no longer active. or could they still come after me for some reason. please help. i have to send an answer soon and should i send the copies of the credit reports? thanks

aprilrain
Guest

Subject: Ill laws of statue of limitation question

Wed Sep 09, 2009 5:51 am

can a collection agency go back to 2002 on medical bills. what is the statue of limitation on this

carol

Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California

29592 Magic Points

Wed Sep 09, 2009 10:48 am

Hi April

Your query has been answered in this thread

http://www.creditmagic.org/repair/about8322.html#33167

Do take a look
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Keep in touch
Carol

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