Legal Question in Credit and Debt Law in New Jersey

Re: Credit Card Debt

Tell the debt collector that the debt is well beyond the statute of limitations and he knows it. Tell him that if he persists, you will sue for violation of the Fair Debt Collection Practices Act. Then do it.

See also: http://info.corbettlaw.net/lawguru.htm

Re: Credit Card Debt

I agree with Mr. Corbett. I don't think you need an attorney here, at least not yet. Do what Mr. Corbett told you to do, keep all your info and send it certified mail. Also demand that they remove it from your credit report. Check it in about a month to see if they did it. If they didn't, ask for an investigation into the debt with all three reporting agencies and attach your letter to them.

If they keep bothering you, contact either or both of us and/or report to this website.

Good luck!

Re: Credit Card Debt

If they sue you, get a lawyer. you may be able to 'counterclaim' (sue them back) for violating the Federal Fair Debt Collection Practices Act. You should put them on notice, by sending a letter that says they should stop pursuing this debt because it is barred by the statute of limitations. send that letter certified mail return receipt requested (keep the return receipt, the green card).

Call if you like; I never charge for a first phone call.

You can then decide how you would like to proceed.

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