Legal Question in Credit and Debt Law in Pennsylvania

statue of limitation on debt collection

My ex-husband charged $150 dollars on a credit card of mine in 1998...this was the only time this card was ever used...we separated shortly after......I was late with payments but made them regularly.....asked them to close account and allow me to pay off....I have documentation of paying them $390.....though....a previous joint account would prove another $60 payment.......one of several collection agencies has been calling...NASTY...told me she will call every day.....and they do....two and three times a day.......they want $1220.!!!!!! LOL I have had it....I refuse to pay $1200....in late fees/finance/whatever charges for $150 debt that has been paid over and over!!!! How do I get them off my back and WHY ISN'T THIS GAUGING ON THEIR PART........ ILLEGAL???

Thank you

k


Asked on 9/17/05, 7:31 pm

1 Answer from Attorneys
Charles A. Pascal, Jr. Law Office of Charles A. Pascal, Jr.

Re: statue of limitation on debt collection

Statute of limitations is 4 years...from the time you last acknowledged the debt. That means if you made a payment, the 4 years starts over from that point. If you said, yes, that's my debt, the 4 years starts over.

Their tactics of collection, and what they have said to you on the phone, may be a violation of the law as it relates to proper collection techniques. You should speak to an attorney. Feel free to email me or call me and we can discuss further.

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Answered on 9/22/05, 2:18 pm


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