I need an answer

I had a credit card I only used once, the card had a credit limit of 300.00 and I used 289.00. I did get behind in paying this bill but I paid the credit card company back over 600.00. They sold the account, but left the added over the limit fees and late fees. I tried talking to them to get them to remove the over limit fees and late fees to no avail. Now I have debt collector saying I owe them 1,500 dollars on a bill I already paid. I have my documentation. What can I do?

They have also filed to have a judgment placed in my credit history. This bill was opened back in 2003? Is the statute of limitation over in the State of North Carolina. The last payment I made to them was in 2007.

Comments for I need an answer

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Feb 07, 2011
 Credit Card Collection Dispute
by: DebtCollectionAnswers.com

It sounds like you may have had one of the "fee harvester" credit cards that are no longer allowed under the Credit CARD Act. At any rate, you will need to find a way to resolve this.

According to our sources, the statute of limitations for most consumer debts in North Carolina is three years. So it may be that the statute of limitations has expired on this debt. If that's the case, you may be able to simply send the debt collector a letter explaining the debt is too old and asking them not to contact you again. You can read our suggestions on using a cease and desist letter to stop a debt collector.

However, this sentence concerns us: "They have also filed to have a judgment placed in my credit history." We aren't sure what you mean. Are they suing you? Have they already sued you and obtained a judgment? If it's the latter, then the statute of limitations above do not apply. If, on the other hand, you have received a summons or any correspondence indicating they will sue you to try to collect this debt, please act immediately.

Contact a consumer law attorney for advice. They could be breaking the law, and if they are, a consumer law attorney should be able to help you. You can either find a consumer law attorney in your area 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.

We hope you are able to resolve this!

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