3 SOL Questions

Try this link, it has SOL info for each State. A lot of other useful info on here as well.


Link deleted as per forum rules - Mike

If you are can't recall the date of last activity, your credit card company has the date in their records. Call them and know the exact date so that you can calculate the SOL expiry from the actual date. The collection agency can file a class action lawsuit if they have purchased the account from the original creditor. If the CA is being hired, the account will be sent back to the OC who will decide their further actions.

The expiry of the SOL on the said account gives you freedom from all legal actions. No judgments can be filed against you and you won't be forced to make any payments on the debt. But, this does not erase the debt completely. It will be still reported in your credit file until the 7 years reporting time has expired. This is in accordance with the Fair Credit Reporting Act.

Sorry for breaking any rules.... I thought the link had helpful info., didn't realize I was doing anything wrong.

The collection agency says the own the debt.
The credit card company would not give me the date of last activity. So, if the collection agency has the incorrect date of the last actitity on the account, how would a consumer prove the date is wrong?

If the collection agency files a suit and in court the hearing is continued or postponed past the SOL date, can the case be dismissed?

I think the collection re-aged my account by two months.

Hi Tiffany

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