Legal Question in Credit and Debt Law in Pennsylvania

Re-Aging a debt Past Statute of Limitations

If a collection agency purchases a debt

in PA, can they re-age it and extend the

statute of limitations? If the statute of

limitations is 4 years and it has been 6

years since the original creditor charged

off the credit card acct, can they ''open''

a new acct and start the date in 2006,

report it on my bureau, and double the

original debt? Keep in mind that I have

had not acknowledged the collector or

responded to any letters of collection.

Thank you,


Asked on 9/19/06, 3:18 pm

2 Answers from Attorneys
Gerald Hershenson Law Office of Gerald M. Hershenson

Re: Re-Aging a debt Past Statute of Limitations

The statute of limitations can not be extended. Howecve, if not raised in a legal action, it can be waived. Suggest you get a lawyer to stop collection agency from harassing you. I found a letter from an attorney is quite effective.

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Answered on 9/19/06, 5:51 pm
Charles A. Pascal, Jr. Law Office of Charles A. Pascal, Jr.

Re: Re-Aging a debt Past Statute of Limitations

Nope, they can't do it, but they try it all of the time in an effort to get you to admit/acknowledge the debt, and thus start the statute of limitations over.

You should get an attorney to send them a letter telling them that the statute has run, and that if they persist in putting something on your credit report or otherwise seeking to collect a debt that they are well aware is beyond the statute that you will institute legal action against THEM.

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Answered on 9/22/06, 5:19 am


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