There is a statute of limitations on debt. I believe TN is 6 years. So any debts from 1993 and 1996 would be outside of this limit. Collectors may try to collect and they may even sue. Statute of limitations would be an affirmative defense if it came to that point. But you/your wife may also have a cause of action against the creditors for a violation of the Fair Debt Collection Practices Act (FDCPA). You should consult with a local attorney to see if you have any recourse or how to stop the collectors.
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Your wife needs to save all communications from these debt collectors (all letters, envelopes, voice mails, emails, etc.). Attempts to collect after the statute of limitations has run may violate the Fair Debt Collection Practices Act (FDCPA).
I suggest that your wife speak with an experienced FDCPA attorney and fax (or scan & email) copies of the letters etc. for review by the attorney. Most consumer law firms (like my own) will consult and review documents without cost to her, and usually if the case is accepted, the law firm will wait to be paid out of the results of the successful case. She may have valuable claims against the collectors. In any event, an FDCPA attorney may be able to give her advice to make the collectors go away.
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May be some violations of the FDCPA and or the Telephone Consumer Protection Act. These debts are certainly barred by the statute of limitations, but it won't stop them from harassing her to the day she dies.
Feel free to contact us.
Barnette Law Offices
309 Hollow Tree Court
Nashville, TN 37221
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