So a phone company from when I was stationed in Germany in 2011 is trying to say that I owe them over 3,000 for a phone service that I used to have while stationed there and they did not shut it off when notified. Now since it has been some years they are trying to collect through an agency in Colorado. It is also not the first time they have tried it as they had originally tried with a different reporting agency that was removed by the reporting agencies. What are the Statutes of Limitations for this debt and how can they be on my credit report when no such authorization was given to the original creditor.
The statute of limitations for debt collection is 4 years in Texas. That means a creditor or debt buyer must sue you within the 4 years following your first missed payment. Making a payment in that period re-starts the 4 year calendar. After 4 years, you can't be sued on the debt, but the debt buyer can continue collection attempts until you send them a proper cease and desist letter under the Fair Debt Collections Practices Act.
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Your absence from the state pauses the clock on the 4 year statute of limitations in Texas for most credit card debt. There is a federal regulation that I used to rely on years ago that would limit the statute of limitations on cell phone bills to 2 years. I would not want you to rely on that statute without further investigation.
You might want to talk to a consumer rights attorney to make sure that the Colorado collection agency has the bond required by Texas law and that they are not otherwise violating any debt collection laws. Your question also suggests that you might have been in the military, and if so, you may have rights relative under the Soldier's Relief Act.
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You should visit with a consumer rights attorney. The organization probably has four years from your last payment, but it also has to take proper steps to collect from you.
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