4 years for written contract and 2 years for oral agreement. What type of debt you have? Remember, SOL clock starts from the day of last activity shown in your account. If you make an agreement to pay it, or pay a single penny, the clock restarts. _________________ Stan
BTW, I am not a lawyer, I am here to share what Life has taught me.
So if the debt is past the statute of limitations for the state of CAlifornia, then you have an affirmative defense in court. this means that they can file the suit and you can raise the SOL to have the case dismissed. Usually, if you tell the collector that you are aware that this debt is past the SOL, they will stop trying to collect. Trying to collect in itself is not illegal. if they call your house, you can send a cease and desist letter. This will make it illegal for them to call. _________________ CMRRR Templates How to PFD, OPT-out, Complain, etc
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Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.