You are being scammed. Statute of limitations is 5 years since last payment/ default, whichever is later.

It is either 4 or 6 years, depending on the type of contract, unless someone obtained a judgment against you.

It is not usual to include a release in such an order Whether it is desirable depends on what kind of claims you may have against them. Also on...

The phraseology and lack of compliance with the Fair Debt Collection Practices Act indicates it is a scam

The estate is liable, if one exists. The spouse probably is not. A home is not subject to the debt if held as joint tenants with right of...

Demand a refund. You have a claim if it is not given. It may or may not be worth pursuing. See a lawyer.

Many Illinois dealers provide in their contracts that if they cannot sell the contracts to a financial institution, they can undo the deal. The...

This is a scam. Process must be handed to or placed in front of the defendant or a member of the household over 13 or served pursuant to court...

This is a well known scam. Ignore. Report to law enforcement.

Whether there is a class action, or a case worth pursuing at all, depends on the size of your claim, the number of persons affected, the size of...