Legal Question in Credit and Debt Law in New York

Re: Roomate kept using electric

This is very starnge. The electric company must bill you sooner than 5 years and the credit card company must do the same. Either this problem can be attacked through the late posting or I do not understand the facts properly.

You are welcome to a consultation at no fee at my offices at 42 West 44th St., NY,NY. Please call for an appointment first. (646) 591-5786

Re: Roomate kept using electric

I'll bet you called them on the telephone, right? And that's when they said you should wait a couple of months to receive the statements? I don't suppose you noticed the statement of your rights on the collection agency's bill to you? Especially where it says, "you can call on the telephone if you want to, but doing so will not preserve your rights under the law."

You have thirty days from receipt of the statement in which to demand written verification of the debt, but you have to do so in writing. When they tell you to wait a couple of months to get your information, they're doing that precisely so that you'll be induced to allow your rights to expire.

If you're not going to send a written demand for verification, the way it says on the statement, to the address it identifies on the statement for billing disputes, you may as well just pay the bill now. After thirty days, it won't much matter whether you're right or wrong, because they'll get a judgment against you anyway.