Frustrated By These Bills


Yes I sure do have a complaint.This was back in 2003. I purchased something from a club. However when I called the club itself and asked them to send me the statements of the payments that were made. Because this was confusing first of all. And the payments were suppose to be made by a friend, however.

Reply from

Thanks for sharing your story. According to our resources, the statute of limitations for most consumer debts in Pennsylvania is six years. (We are not attorneys, so please don't take that as legal advice.) If no payments have been made in the past six years, the statute of limitations may have expired on this debt.

We would recommend you do three things:

1. Please be sure to at least read the first chapter of Debt Collection Answers online for free so you have an overview of your rights when dealing with the collection agency.

2. Ask the collector to verify the debt in writing.

3. If you believe the debt is too old, you can send them a cease contact letter telling them not to contact you again. Please read our page about using a cease and desist letter to stop a debt collector.

Good luck to you! Let us know how this turns out.
When I called the club I had dealt with they said they wouldn't send me the copies of the payments that were made because it was too much to send through the mail. And then I keep getting letters from this company. Now it is 8 yrs later. Why???????????

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