Legal Question in Credit and Debt Law in Pennsylvania

Statute of Limitations on collection

In 2002 I bought magazines through a company. About a year later they called to re-up my subscriptions. I agreed but found that my credit card was being double charged. I called the company and asked to cancel the renewal of my magazines. After a lot of trouble I was told that it was canceled. A few days ago I get a call from that company stating that I now owe them money (500+). I have recieved nothing or heard nothing from them since about 2003. I have not recieved any magazines in years. Do they have a right to come back now and demand money? When I asked for them to send me an invoice they stated that I would have to pay a portion over the phone before they would do that. Being that it was over 4 years ago I have no information on who I talked to at that time. If and when they call back how would be the best way to handle this? Thanks.


Asked on 6/26/07, 6:00 pm

1 Answer from Attorneys
Greg Artim Law Office of Karen L. Myers, P.C.

Re: Statute of Limitations on collection

first, you dont owe money if you didnt get anything. second, you have every right to see an invoice for whatever product you ordered. third, the statute of limitations on collections is typically 4 years, unless the contract was under seal, which i doubt yours was. if they call again, ask for their address. then, send them a letter, certified mail, that says that they are violating the Fair Debt Collection Practices Act by making unfair and illegal collections practices. let them know in writing that you dispute the validity of the debt.

Read more
Answered on 6/26/07, 6:10 pm


Related Questions & Answers

More Credit, Debt and Collections Law questions and answers in Pennsylvania