Legal Question in Credit and Debt Law in Oklahoma

What is FDCPA?

A Law Firm is suing me over a credit card I paid off almost 7 years ago. I think Providian, the credit card company has lied about my payment history/status. I was in on a law suit against Providian and now I am being sued by them. I can no longer prove I paid the debt because the bank is no longer in existance, they are now Bank of America and BoA has no history of me ever banking with the previous bank. I know the statute of limitations on a credit card or open ended account is 3 years in Oklahoma. I cannot find the Title and section (example: 12 O.S. section 95) for open ended account. Can you please help me with this? Also, in reading a previous question and answer you told the individual to use FDCPA to stop the collection actions. What is FDCPA?

Thank you very much.


Asked on 7/27/03, 1:39 pm

2 Answers from Attorneys
Herb Southern The Southern Law Firm

Re: What is FDCPA?

Fair Debt Collection Practices Act.

Hire an Atty who does collection law and go get-em ... There si no need to go it alone!

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Answered on 7/28/03, 9:56 am
Chad Moody

Re: What is FDCPA?

As for the statute of limitations, you are correct. The 3 years runs from the last payment made by you on the account. The FDCPA is the Fair Debt Collection Practices Act. It provides for penalties against debt collectors who do not follow the rules. Good luck. Let me know if I can be of further assistance.

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Answered on 7/28/03, 10:17 am


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