Statute of limitations ended

by Linda
( Reno, NV)

I keep receiving letters from multiple debt collectors for a cc debt that is over 15 years old. The cc co. wrote it off years ago & it harmed my credit score for 7 years already. I have never responded to these inquiries. So, to stop these recurring letters from being sent to me, should I send a cease & desist letter to them ?

Should I mention that I am basically judgment proof as I am living on Social Security payments of $750 a month & have no real property?

Also, within the past 6 months, 3 different collection agencies have written collection letters to me about the exact same account. Is it "open season" for these guys? I appreciate any response.

Sincerely Linda

Comments for Statute of limitations ended

Click here to add your own comments

Jun 21, 2010
collections for very old debts
by: Gerri & Mary

Linda, it certainly sounds like your debts have been sold to multiple debt buyers. According to our sources, the statute of limitations for most consumer debts in Nevada is six years. We are not attorneys, so we can't say that definitively, but you are likely correct that these debts are too old.

If these debts are outside the statute of limitations, then there is no need to send the collectors any information about your financial status. All you need to do is send them letters telling the debt collectors to stop contacting you. You will find our advice on sending cease and desist letters here - we hope you will find it useful.

Please also make sure that you start a file and keep copies of every letter you received from these collectors, as well as receipts showing you mail them cease contact letters. If any of them contact you after receiving your letter, we would recommend you contact a local consumer law attorney with experience in debt collection cases. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

You are already aware that all collection accounts late fees cannot be reported on your credit reports. You may want to check your credit reports to make sure none of these companies report. If they do, follow our instructions for disputing collection accounts on credit reports and let us know how it turns out.

Good luck with this. If you have any follow-up questions, please be sure to use the comments link below so we can keep them together with your original question. We would also be interested in hearing how this turns out for you.

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2016 by Mary Reed and Gerri Detweiler.
All rights reserved.