Has statute of limitations run out?
(struthers, ohio usa)
i have an old bill from a providian credit card. not sure of when i applied for it, but last activity, was 4 years and 3 months ago. I live in Ohio, so limitation statute is 4 years. I recently received a letter from office, identifying themselves as attorneys. i have 30 days to respond. I am mailing my reply next week, (within the 30 days) I don't remember alleged debt, and for them to send paper work, also showing date of last activity.
Also mentioning that my ex ran up some bills, that i was not aware of, and if this alleged debt is or is not one of them, i believe the statute of limitations for collection has ran out, therefore alleged debt is no longer collectible, did I due the correct thing?
also, can they take money out of my checking account. I live on 1200.00 per month, and my grand son lives with me.