Legal Question in Credit and Debt Law in California

Re: Hospital Bill From 15 years ago

Absolutely!

Re: Hospital Bill From 15 years ago

If it has been 15 years since the obligation was due, the statute of limitations for collection of the debt has long since passed, and therefore they have no right to collect it. Further, because there is no valid underlying debt, they cannot report it on her credit report as being delinquent. First, file an objection with all three credit reporting agencies, and demand that it be removed. The obligation to prove the debt is valid now falls on the creditor. In the objection, specifically state that the statute of limitations for collection of the obligation, which you dispute in the first place, has long since passed. You should be successful, and if not, you can pursue an action against the creditor under the various consumer protection laws that govern debt collection and reporting.

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