Legal Question in Credit and Debt Law in Tennessee

statute of limitations of being sued on credit card debt

my wife is being sued by a collection agency from a credit card she got before we were married. she is a home maker with no income but mine. the original credit limit was $350, now shes being sued for over $1800, this is over 7 years old almost 8 years old. we do not dispute her owing $350 and some penalties, but not 6 times the original limit. is there a statute of limitations in tennessee for suing over credit card debt?


Asked on 11/30/06, 1:57 pm

1 Answer from Attorneys
Dr. Michael A. S. Guth Tennessee Attorney at Law Assists Pro Se (without a lawyer) Parties

Re: statute of limitations of being sued on credit card debt

Assuming your wife has not made periodic payments, then this debt is extinguished by the statute of limitations, and the collection agency has violated the Fair Debt Collections Practices Act -- a federal law. I have about 45 credit card debt clients. It would be comparatively easy for me to prepare an Answer that you could file in this lawsuit and go after the collection agency to seek twice the finance charge it tried to impose on you.

You can contact me through http://michaelguth.com/prose/freeadvice.creditdebt.htm

or http://michaelguth.com/prose.htm

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Answered on 11/30/06, 2:43 pm


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