Legal Question in Credit and Debt Law in Pennsylvania
Collections
I am being threatened by a collections law office for money I owed to Household Finance, This was around 2000 or 2001. I live with parents and have no license or no means of income. Is there a statue of limitations for these collections and what can I do? they constantly threaten.
2 Answers from Attorneys
Re: Collections
There is a statute of limitations for contract actions in Pennsylvania. They must be brought within 4 years. They can file suit against you, and attach your wages. If you have any questions, you can e-mail me directly at [email protected].
Re: Collections
I have to disagree with the other answer in part. The statute of limitations is four years however, if it is a typical contract dispute, they cannot attach wages. The statute is at 42 Pa.C.S. section 8127 and provides in part:
"� 8127. Personal earnings exempt from process
(a) GENERAL RULE AND EXCEPTIONS.-- The wages, salaries and commissions of individuals shall while in the hands of the employer be exempt from any attachment, execution or other process except upon an action or proceeding:
(1) Under 23 Pa.C.S. Pt. IV (relating to divorce).
(2) For support.
(3) For board for four weeks or less.
(3.1) For amounts awarded to a judgment creditor- landlord arising out
of a residential lease upon which the court has rendered judgment which is final.