Can a collections agency demand an 8 year old credit card debt which has been purged from my bureau be paid

Attorney answers (3)

1. 

   Dorothy G BuncePro

   Las Vegas Chapter 7 Bankruptcy Attorney

   Contributor Level 20

   

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   Answered January 24, 2013 13:05. Whether the debt appears on your credit report is irrelevant. The only issue is what the statute of limitations is on this debt under the laws of your state (you can find this out by a search of the laws on the state website), when you last paid this debt, and most important, whether the creditor has sued you & obtained a court judgment. Hope this perspective helps!

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2. Licensed in KY

   

   David Brent CoxPro

   Lexington Debt Collection Attorney

   Contributor Level 11

   

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   Answered January 26, 2013 14:17. Ms. Bunce is correct. In addition, you need to talk to an attorney in your state about what your obligations may or may not be at this time. Don't let the collection agency "bully" you in to paying something that you may not have a legal obligation to pay.

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3. 

   Michael AvanesianPro

   Glendale Chapter 11 Bankruptcy Attorney

   Contributor Level 15

   

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   Answered January 24, 2013 13:18. I agree with Dorothy. The only thing I'd like to add is that it is up to you to raise a defense like the statute of limitations; they can still sue!

   The above is general legal and business analysis. It is not "legal advise" but analysis, and different lawyers may... moreThe above is general legal and business analysis. It is not "legal advise" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here. Please visit my web site: www.avanesianlaw.com for more information about my services. less

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