Statute of Limitations on Debt

Filed under Collection Calls, Credit Card Debt, Debt Settlement by on December 15, 2011 at 5:13 pm {no comments}

State Oral Written Promissory Open-ended Accounts State Statute: Open Accounts
AL 6 6 6 3 §6-2-37
AR 3 5 3 3 §16-56-105
AK 6 6 3 3 §09.10.053
AZ 3 6 6 3 §12-543
CA 2 4 4 4 §337
CO 6 6 6 6 §13-80-101
CT 3 6 6 3 §52-581
DE 3 3 3 4 §2-725
DC 3 3 3 3 §12-301
FL 4 5 5 4 §95.11
GA 4 6 6** 4 §9-3-25
HI 6 6 6 6 HRS 657-1(4)
IA 5 10 5 5 §614.5
ID 4 5 5 4 §5-222
IL 5 10 10 5 735 ILCS 5/13-205
IN 6 10 10 6 §34-11-2
KS 3 6 5 3 §84-3-118
KY 5 15 15 5 §413.120
LA 10 10 10 3 §3-118
ME 6 6 6 6 §14-205-752
MD 3 3 6 3 §5-101
MA 6 6 6 6 c.260, §2
MI 6 6 6 6 §600.5807
MN 6 6 6 6 §541.05
MO 5 10 10 5 §516.120
MS 3 3 3 3 §15-1-29
MT 5 8 8 5 27-2-202
NC 3 3 5 3 §1-52(1)
ND 6 6 6 6 28-01-16
NE 4 5 5 4 §25-206
NH 3 3 6 3 382-A:3-118
NJ 6 6 6 6 2A:14-1
NM 4 6 6 4 §37-1-4
NV 4 6 3 4 NRS 11.190
NY 6 6 6 6 §2-213
OH 6 15 15 6 §2305.07
OK 3 5 5 3 §12-95
OR 6 6 6 6 §12.080
PA 4 4 4 4 §5525
RI 15 15 10 10 §6A-2-725
SC 3 3 3 3 SEC 15-3-530
SD 3 6 6 6 §15-2-13
TN 6 6 6 6 28-3-109
TX 4 4 4 4 §16.004
UT 4 6 6 4 78B-2-307
VA 3 5 6 3 8.01-246
VT 6 6 5 3 §3-118
WA 3 6 6 3 RCW 4.16.080
WI 6 6 10 6 893.43
WV 5 10 6 5 §55-2-6
WY 8 10 10 8 §1-3-105

 

** Georgia Court of Appeals came out with a decision on January 24, 2008 in Hill v. American Express that in Georgia the statute of limitations on a credit card is six years after the amount becomes due and payable

The material provided in this table for informational purposes only and should not be construed as legal advice. Although the material is deemed to be accurate and reliable, we do not make any representations as to
its accuracy or completeness and as a result, there is no guarantee it is not without errors.

Here To Be An Asset To You,

Jesse Niesen
DebtGoToGuy.com

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Debt Settlement Secrets: Stopping Creditor Calls from Debt Collectors

Filed under Collection Calls, Debt Settlement by on December 20, 2009 at 7:03 am {no comments}

THE BEST WAY TO STOP COLLECTION CALLS ASAP.

This only applies to people in a legitimate debt settlement program, such as the debt settlement programs I endorse.  If you are not yet enrolled into a debt settlement program, be sure to read this Debt Settlement WARNING before talking to any of the bazillion new debt consultants off the street. (more…)

Fair Debt Collection Practices Act (FDCPA)

Filed under Collection Calls by on November 3, 2009 at 4:15 pm {no comments}

Below is the full, entire body of law for the Fair Debt Collection Practices Act (FDCPA), but if you’re not interested in reading every “jot and tiddle”, then here’s a quick link to a summary to stop collection calls.

F air
D ebt
C ollection
P ractices
A ct (more…)

Fair Debt Collection: How To Stop Collection and Harassing Calls

Filed under Collection Calls by on December 9, 2008 at 7:15 am {no comments}

Here are a FEW things you can do to handle creditors and collection calls to minimize the calls and get them to stop bothering you ASAP.

Despite many false promises seen online and elsewhere today, no one can promise to “stop creditor calls”.  Original creditors have rights to collect legitimate debts.  However, it is illegal for debt collectors or creditors to make harassing phone calls, and below are ways to stop third party collectors from calling, plus a few more tricks to put the law on your side. (more…)