Legal Question in Credit and Debt Law in California
Collection Notice
In 1988 a water purifier was purchased under my husbands name...he did not purchase it and did not know anything about it until 6 months ago. The bill is now in collections and we have received two statements. We tried to get more information about this accout but, the collection company is unwilling to help. Is it our responsibility to pay this bill if we just received the 1st one after 10 years? How long does a company have to bill a customer? What do you suggest we do? The bill is for $2,496.00...
3 Answers from Attorneys
Re: Collection Notice
Did a collection agency send you letter. You may not only not owe the debt, but have a claim against it under the Fair Debt Collection Act. Please call me as I will have to review your correspondence to see if you do have a valid claim.
Re: Collection Notice
I would immediately dispute the bill in writing and ask in writing for the charges to be verified. Nevertheless, if there is no judgment, the statute of limitations on collection actions long has run and it is uncollectible unless you begin to pay. That could restart the statute clock to your detriment. If they're calling you, tell them to never call again. If they persist, they could be violating the Fair Debt Collection Act, and there are attorneys who relish going after violators.
Re: Collection Notice
You should send them a verification letter. A sample can be found at my website, www.californiadebtblog.com. My guess is that you will not hear from them again since the statute of limitations has long expired. However, if you do, you should contact a consumer attorney to represent you.
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