Legal Question in Credit and Debt Law in Florida

I have an old credit card debt (last payment about 8 years ago) and a collection agency is beginning to call and try to get me to make payments or give them a lump sum amount. I just checked my credit report earlier this year and this debt was not on it. Supposedly, I owe about 4k (with interest). Should I make payments, or would it be better not to? I do not want this to ruin my credit score. I was a Louisiana resident at the time the debt was made (a mastercard) and am now a Florida resident. I do not even remember this credit card account. I was thinking that it was my ex-husbands (we were still legally married in 2004), but the collector says that the account only has my name on it. What should I do? Thanks in advance!


Asked on 5/14/12, 1:40 pm

3 Answers from Attorneys
David Slater David P. Slater, Esq.

The Statute of Limitations has run on this account and they cannot bring a valid legal claim.

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Answered on 5/14/12, 1:59 pm
Angelo Marino Angelo Marino Jr. PA

They are violationg the law. See www.ConsumerLawyerHelp.com for assistance.

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Answered on 5/14/12, 2:41 pm
Lucreita Becude Lucreita D. Becude, P.A.

DO NOT make a payment. If you do, the time will begin to toll again. Contracts expire after 5 years - verbal after 4. Obviously they did not file in time to get a judgment and now if they can persuade you to make a payment - you will be on the hook.

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Answered on 5/15/12, 5:28 am


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