Legal Question in Credit and Debt Law in Florida

Re: old credit card debt

Yes -- debts are subject to statutes of limitations of 4 and 5 years under Florida law. If the debt collector is harassing your family members, you may have a counterclaim under the FDCPA.

Re: old credit card debt

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Collection agencies are regulated under the Fair Debt Collection Practices Act (FDCPA) which sets forth the guidelines they must follow. The Fair Debt Collection Practices Act offers protection from illegal and unethical debt collection tactics. An explanation of the act can be found on Wikipedia at:

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

The statute of limitations is generally either 4 or 5 years depending on the type of action.

Scott R. Jay, Esq.