Legal Question in Credit and Debt Law in New York

Re: debt collection

If the breach occurred in 1995 and no judgment has been entered against you, you would not owe the money. In fact, you may have a claim against the company under the Fair Debt Collection Act. Please call me as I will have to review your correspondence and documents.

Re: debt collection

Unless there's a judgment against you, probably not. If I remember correctly (and I don't practice law in NY), judgments are good for 20 years. CA judgments are good for 10, and may be renewed for another 10. Thus, if they continue to pester you without a judgment, they are violating the Fair Debt Collection Practices Act, and could be liable to you for $$ damages themselves.

Re: debt collection

The debt is probably past the statute of limitations but you must raise that as a defense if there is a lawsuit. By the way, who is the debt collector?