Legal Question in Credit and Debt Law in North Carolina

Unsecured Credit Card Collection
I had a credit card that had a balance of approximately $6,000 that was charged off some six years ago. I was making payments to a collection agency that stated they were working on behalf of the original creditor. About six months into my payments, I pulled my credit report. That is when I found out the original creditor had already charged off the account. I asked the collection agency why the debt is showing as charged off and my balance is not decreasing but payments are still being made? They had no answer. I promptly stopped paying because I could not see the sense in paying someone else for a debt that was charged off. Over four years have passed and the debt has been sold to a few other collection agency, I have not paid nor spoken with any of them. Now, I have received a Civil Summons letter served via registered mail. I am unsure what to do. Mind you, this is still not the original creditor. I looked up the Statute of Limitations on unsecured credit debt for my state (North Carolina). The Statute of Limitations in North Carolina is three years.

Asked on 11/27/07, 10:21 am

Jeff Rosner Rosner Law Firm P.A.

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Re: Unsecured Credit Card Collection

If you have received a civil summons, you need to reply - my advise is to contact an attorney in your area that can assist you.

Do not wait because otherwise the creditor can get a default judgment against you despite any defenses you may have.

- Jeff

Answered on 11/27/07, 11:10 am

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