Legal Question in Credit and Debt Law in Pennsylvania
Are We obligated?
My husband was involved in a vehicle accident on November 25, 2002. This resulted in damages to some property. Nothing happened about this until we received a letter for a law fiem saying that we owe them $14,119.76 in damages. This letter was dated. June 21, 2004. We agreed to pay $100/mnth until it is paid off. Are we obligated to pay that since they did not contact us between Nov. 2002 and June of 2004. Isn't there a time limit in which they can file claims until it can not be legal? I feel really cheated and don't think it is fair that almost two years later they say we have to pay them all of this money. Even when he went to court nothing was ever said about restitution for the damages.
2 Answers from Attorneys
Re: Are We obligated?
An accident has a 2 year statute of limitations. However, you have made a contract which has a 4 year statute of limitations. The only way to get out of it would be to file bankruptcy. I offer free consultations.
Re: Are We obligated?
They had two years from the time of the incident to file a civil complaint. From what you said, they had until November, 2004 to do so. However, since you agreed to pay, you entered a contract. They now have FOUR years from the last time you acknowledged that you owed the debt (the last time you made a payment) to file a suit if you stop paying.
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