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Looking up the SOL in my state. It states--All other creditor-debtor transactions are 4 yrs after accrual of the right to sue. Then under NOTE 1. An action accrues on the first date on which the creditor can sue for a breach or for relief, generally from the last purchase or the last payment. Can someone explain to me what action accrues actually mean?? The account I am working with was opened on Aug.

i am receiving calls from some foriegn guy that leaves a message asking for my attorney or me to call him back and then wispers if he does not hear from me than good luck the number is 310-362-9395. I did default on a payday loan but made several attempts to make payment arrangements he does not leave the name of the company he is calling from has any body else experienced this?

I recently got my first ever credit report through Experian. I found a debt for a credit card I NEVER had! I did not request it, never received a bill or anything. The Status says: collection account. $*** past due as of May 2009. I disputed the charge since I have no clue what it is and it says under my statement: Account information disputed by consumer (Meets requirement of the FCRA). It says that the item was verified and updated on May 2009. Right below that debt it shows the same debt again, but this time with the original creditor listed as the contact company.

Please tell me which loan companies are legal in NY. All loans were obtained online. I closed my bank account and sent some letters. I'm getting phone calls at work threatening me with fraud and affidavites with my SS# going out all over. This is my 3rd loan with Ameriloan (I've paid so much interest)and I always said never again but again I did it ...and then took out the others to pay the first ones.

If i close my bank account due to nsf and pdl's will the bank let me open another account being on chex systems? I do not know what else to do.

I closed my account on Friday and sent my emails and letters. Just wanting to get some feedback from anyone who had pdl with these companies. What was the outcome of emails, etc. thanks just wanting to see what I should expect.

What is the SOL for cell phone debt? I am in Virginia. I know credit card debt is 3 years, but didn't know about cell phones. I am pretty sure its been paid, but Portfolio Recovery says I owe it. They call constantly and I know they are low lifes already from previous experience. thanks!

Hey there, Im a young guy, only 22 from Florida. About a year and a half ago, I had a stable job as a mechanic, had my fiancee (girlfriend since 2nd grade) living with me, things were perfect. Had 2 credit cards which always got taken care of. My fiancee passed away 10 months ago, I was out of state in Boston for 2 months in the hospital with her. After she passed, I returned only to find my job was being cut due to downsizing. I depended on the credit cards to get through a few weeks of unemployment, found a less paying job and struggled to keep the lights on and rent paid.

Are internet laons illegal in Ky? I have taken out 8 and have landed in this trap of having no money left. Please advise

Okay I live in Arizona and have 7payday loans all on line. My banking account is a mess I will close it but I have to share this threatening email from them. Can they really do this? PLEASE PLEASE HELP!!! Nationwide.Inc PO Box 333 Claymont DE, 19703 Traci Cluff Re:Defaulted Payday Loan Loan # 12714494 Past Due Balance: $ 1,010.00 You have chosen to ignore all of our previous communication attempts to contact you, regarding the debt referred to above.