As long as you don’t admit to the debt or make a payment, they’re out of luck. The statute of limitations has expired in most states.
Do nothing. Don’t respond or engage in any way. The debt is uncollectible at this point.
They can try to collect, but they can’t sue. Just don’t pay anything, or you’ll restart the process.
In my state, the statute of limitations is 4 years. Check when the debt originated and avoid acknowledging it. If you’re sued, respond and assert the statute of limitations as your defense.
Frost said:
In my state, the statute of limitations is 4 years. Check when the debt originated and avoid acknowledging it. If you’re sued, respond and assert the statute of limitations as your defense.
This only applies if there’s an active lawsuit.
Frost said:
In my state, the statute of limitations is 4 years. Check when the debt originated and avoid acknowledging it. If you’re sued, respond and assert the statute of limitations as your defense.
They won’t waste money suing for an uncollectible debt.
Just tell them you passed away three years ago overseas.
Leave it alone. This debt is way past its time limit.
Check your credit report to see if the debt is still listed. If it’s not, they can’t do much except keep trying to contact you.
Statutes vary by state. Whatever you do, don’t acknowledge the debt or pay even a penny.
The debt can’t be collected or added to your credit report anymore. Ignore it. They’re just hoping someone pays without knowing the law.
Throw it out. If they’re serious, they’ll send someone to your door.
Can a credit card company take your tax return if you owe them money?
Ellis said:
Can a credit card company take your tax return if you owe them money?
Credit card companies usually sell debts to collectors. If you get sued and don’t respond, the court might issue a default judgment. That’s when they can garnish your wages or take your tax return. Always respond to lawsuits.
They contacted you through email? Wait for a letter in the mail and ignore the email.
Mai said:
People should pay their debts instead of dodging them.
We found the debt collector right here.
Send a cease communication letter to stop contact. The debt is too old for them to take legal action or report to credit agencies.
If you’ve moved in the last 13 years, they probably can’t find your address and are fishing through email. Ignore them.
Don’t answer them. If you do, you’re locked in for another 7 years.
You can lie to us, but not to God.