Legal Question in Credit and Debt Law in Massachusetts

Hi I have been contacted by Portfolio Recovery Associates regaurding an old credit card debt. I have been offered several options for payment. My concern is that they may not be the most reputable company to deal with. The options are satisfactory, and I dont dispute the debt. Should I begin making payments?


Asked on 1/26/16, 3:26 pm

2 Answers from Attorneys
David Baker Law Office of David Baker

You could do that, but if it's more than six years since you made a payment, the debt is legally unenforceable, so you have a defense to collection. Trying to collect an unenforceable debt is illegal. I suggest you see a lawyer about filing an FDCPA claim against them. (A lawyer will know what FDCPA means.).

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Answered on 1/26/16, 9:38 pm
John Skinner, III Associated Attorneys of New England

Yes, you should consult a consumer protection attorney BEFORE you pay them. I am a consumer protection attorney, we offer free consultations for this.

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Answered on 1/27/16, 3:33 am


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