Am I liable for a bill that is eight years old

Oct 01, 2011

Am I liable for a bill that is eight years old
by: Debtcollectionanswers.com

It sounds like this debt may be outside the statute of limitations. According to our sources, the statute of limitations on consumer debts in New Jersey according to my resources is 6 years. Generally, the statute of limitations starts on the last date that you made a payment on the debt.

If a debt collector or creditor tries to sue you on a "time-barred debt," then you can raise the statute of limitations as a defense and the collector would not be successful in court.

In some states collectors are breaking the law if they even try to collect on one of these debts! Keep in mind, however, that there are collector who ignore the statute of limitations, or count on the fact that most people don't know their rights.

It doesn't sound like this debt should appear on your credit reports either.

We are not attorneys so please don't take this as legal advice. It wouldn't hurt for you to get a free consultation with a consumer law attorney to find out if the debt collector is breaking the law in its efforts to collect.

Another option is for you to write a cease and desist letter to the agency telling it to stop communicating with you. Once the agency has received your letter, it is legally obligated not to contact you again. Read our information on using a cease and desist letter first.

Be sure to make a copy of the letter for your files and to send the letter certified mail with a return receipt requested so you have proof that it was received. You will need that proof if the agency continues to contact you about the debt after you send the letter if you decide to take legal action.

Am I liable for a bill that is eight years old

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Am I liable for a bill that is eight years old