Legal Question in Credit and Debt Law in Virginia

Credit card debt collections

A collection agency has bought a Credit Card debt which is past the SOL in Virginia. I believe the state code explains that a creditor has up to three years to force judgement through the courts on any unwritten contract which I believe is what Credit card debt falls under in the state code. Can you confirm this?


Asked on 6/21/08, 8:26 am

2 Answers from Attorneys
Robert Strupp Robert J. Strupp,Attorney at Law, PLC

Re: Credit card debt collections

credit card debt is usually subject to a written contract.

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Answered on 6/21/08, 10:41 am
Michael Hendrickson Law Office Michael E. Hendrickson

Re: Credit card debt collections

And the statute of limitations for written contracts in the Commonwealth is five years. See Va. Code Sec. 8.01-246(2).

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Answered on 6/21/08, 4:27 pm


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