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Debt Collector trying to take me to court for debt that is beyond Illinois Statute of Limitations and I had removed previously

by Chris
(Chicago, IL)

Hello,
I have an old chase card account that is more than 8 or 9 years old and I recently received a summons by the company Asset Acceptance for this debt. Would this be an attempt by them to reinstitute the debt to my credit report? And since it is far beyond illinois statute of limitations what defense do I have in court to prevent them from putting the item back? They are claiming on the summons that the date of delinquency was 10/06 but the date of deliquency was much longer ago.

Comments for
Debt Collector trying to take me to court for debt that is beyond Illinois Statute of Limitations and I had removed previously

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Jul 20, 2010
 Collector trying to collect on old debt
by: Mary

Thanks for submitting your debt collection question on our Q&A page. .

I am not an attorney, so I cannot advise you about your best defense in the courtroom regarding the lawsuit that has been filed against you. What I can do however is urge you to get in touch with a consumer law attorney in your area who has specific experience handling debt collection matters. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

Based on my research, you appear to be correct that the statute of limitations on your Chase credit card debt has expired. However, some debt buyers (and Asset Acceptance is a debt buyer) have a record of trying to collect on such debts either because they have incomplete information about the debts or because they are so eager to collect money that they are willing to ignore applicable laws.


Please share what happens with your situation in the comments section for this question. We are very interested in hearing how this turns out for you, and your experience can help others who are struggling with debt collectors.

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