by Terry
(Lawton, OK)

My wife is in the army and i just got a call from a debt collection agency concerning a debt from feb. 2003. What is the statute of limitations on old debts? We currently live in Oklahoma, but the debt was incurred in Missouri. The collection agency stated that our last payment was in Nov 2004.


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Sep 14, 2010
statute of limitations, serving in military
by: Gerri

It's not quite clear from your question whether this debt is yours or your wife's. If it is your wife's debt and she is serving on active duty, she may have additional protections under the Servicemember's Civil Relief Act.

If this is your debt, however, then according to our sources the statute of limitations in Oklahoma for most consumer debts is three years, but ten years in Missouri. The creditor or collector may be able to sue you to collect under the law of the state you live in.

We are not attorneys so please do not rely on this information as legal advice. We encourage you to get the advice of an attorney by contacting a consumer law attorney in your state. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

You'll find advice for dealing with debt collectors in our ebook Debt Collection Answers. You can read the first chapter of our ebook online for free to get an idea of your rights when dealing with this collection agency.

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