Legal Question in Credit and Debt Law in California

Collection Agency / Write Off
I received a call over the weekend from a collection agency who stated they purchased a debt from a old credit card debt that was written off six years ago. No payments have been made for 6 - 7 years and I told them that this debt was written off several years ago. They stated if I didnt send them a payment they were going to take legal action againt me to collect the debt. There is no judgement against this outstanding balance. I believe this is way past the statue of limitations, isnt the statue of limitations four years from last payment date without a judgement? Can they come after me for this balance?

Asked on 4/12/04, 10:28 am

3 Answers from Attorneys

H.M. Torrey The Law Offices of H.M. Torrey

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Re: Collection Agency / Write Off

there are various legal remedies you have at your disposal in challenging this alleged debt you still owe. if you would like legal assistance in this matter, email us directly today with more complete information regarding this legal situation, especially in respect to the amount you allegedly owe, the bank/credit card company the debt was incurred and when the debt was "charged off".

Answered on 4/12/04, 10:33 am

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Larry Rothman Larry Rothman & Associates

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Re: Collection Agency / Write Off

You have a valid defense to the case and may have a claim against the collection agency under the Fair Debt Collection Act. Please call me for free consultation. 714 363 0220.

Answered on 4/12/04, 11:44 am

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