5 year old debt in a state i no longer live in

by Sophie
(Idaho)

I have at least 5 year old debt when i lived in California. I moved to Idaho almost 5 years ago and I was wondering which state laws the timing falls under? Or is it the state where the bank is of the original debt?

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Aug 06, 2010
 statute of limitations
by: Gerri

Creditors may be able to sue you under your previous state's statute of limitations (in California most consumer debts have a statue of limitations of four years according to our sources) or in your current state (which is five years in Idaho for most consumer debts, again, according to our sources.) So it sounds like either way these debts may be time barred.

However, remember that some collection agencies will sue to collect old debts. If you do not respond, they may even get a default judgment against you. So be sure to respond to any collection notices you receive, and if you receive a summons, respond right away.

This is not meant to be legal advice. If you think a debt collector has broken the law, you can 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.

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