Legal Question in Credit and Debt Law in California

repo collection after 14 years !?

I had a truck repo'd in late 1991. For the first time, about two weeks ago, I got a collection call for around 15,000 or so, but they would settle for around 4,000. Jokingly,I said ''If I could come up with 2 grand that would be a miracle, the guy immediately said ''we'd accept that as payoff''. I did not say I would pay anything, I said I wanted in writing what they had to offer. At this point I'm qurious; How do I find out if there was ever a judgement (and at this point a judgement extension)? Would they have had to get the ''extension'' before the original judgement expired? If there's no extension, How do you get them to stop harrassing you? This collection company in Columbus Oh, seems very shifty to me on the phone. At a loss


Asked on 8/08/05, 6:38 pm

1 Answer from Attorneys
Carl Starrett Law Offices of Carl H. Starrett II

Re: repo collection after 14 years !?

I would send collection agency a letter right away via certified mail stating that you dispute the debt and instructing them not to contact you under the Fair Debt Collection Practices Act.

If the lender didn't file a lawsuit against you, the statute of limitations has long since expired. Get a copy of your credit report at www.annualcreditreport.com to see if there is a udgment on their. The would have had to serve you before getting a judgment, so chances are there is no judgment.

Don't make any commitments to pay them unless they can provide you with written verification of a judgment.

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Answered on 8/08/05, 6:46 pm


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