Legal Question in Credit and Debt Law in California

I would like to know if a debt collector can attempt to collect on a loan which is 15 years old. I was never contacted previously about this debt, and have lived at the same address for 10 years. The person I spoke to stated that the debt had been sold to their company. Yet this goes against all the legal information I have found about debt and collections. What information do they need to provide me in order to prove this debt can still be collected?


Asked on 12/17/12, 5:46 pm

2 Answers from Attorneys

Unless it was rendered into a judgment and the judgment has been renewed, there is no way they can collect on it.

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Answered on 12/17/12, 11:10 pm
Scott Jordan Jordan Law Office

I agree with Mr. McCormick. However, if you validated the debt recently, such as saying "yes I owe that money", the debt could be resurrected. So, it is important to say that you do not owe the money or that you dispute it.

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Answered on 12/18/12, 9:41 am


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