A Collection compnay is trying to sue me for a unpaid traffic ticket back in 2003. They then filed a suit against me in 2008. I never received documention about garnshiment, even though I was making on time payments on a another account. They garnished my bank account in 2009. Then they tried again in 2010 (I was on unemployment). Is this old enough to be considered barred debt and past statute of limitations in WA?
It sounds like they have secured the debt by obtaining a judgment against you, and you have experienced a couple of garnishments since then.
A WA judgment is good for 10 years, and then creditor can extend the judgment for another 10 years if they file ask for it before first 10 years are up.
So, this will be around for a while. If you are able, the best value would be if you can offer them lump sum of money to fully settle it.
Once a creditor obtains a court judgment, the statute of limitations no longer applies, so you are "barking up the wrong tree." I got a new puppy over the weekend, barking is now on my brain!
Judgments have a life of their own, also controlled by state law. Usually, the life of a judgment is much longer than the SOL. In many states, judgments can be renewed over & over, so that, like Vampires, they have virtual immortality. Check state laws for more specific details.
Hope this perspective helps!
Move your bank account to another bank and if you are sending money to the collection agency use money orders from somewhere other than your bank - that way they won't know what bank account to garnish if you miss an agreed payment..
The 2003 liability is collectable until 2013 or 2018, plus a potential 10 more years after those dates.
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