collecting credit card debt
Is there any statute of limitations for a company trying to collect credit card debt?
I have a credit card company coming after my wife for a credit card debt from 2000. This is coming totally out of the blue. We had paid off all of her credit card debt back in 2002 before we got married. We got rid of all proof of payments that we made on her debt because it was now 6 years later! I have a feeling that we paid this off, but I have no proof. Can they still come after her 8 years later??
It doesn’t matter that you no longer have proof. This debt is outside the statute of limitations for all 50 states…it is also past the allowable 7-year reporting cycle on credit reports….so they can’t place this on your credit file . This is ancient, time barred debt….because of this, the collection agency is powerless over you….other than trying to scare/annoy you into paying.
Send the collection agency a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting:
- written validation of this alleged debt and that said alleged debt is within the statute of limitations -
- Cease all verbal communications with me about this alleged debt.
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Read up on the Fair Debt Collection Practices Act and understand your rights:
