ajrcltmar2 asked:


I live in PA. When does the SOL start? I heard it’s as of your last payment. But if it is charged off and the debt collector buys it does that re-start the sol.

Where’s my scooby snack? asked:


How to check to see if the debt is really legit? I know there’s a statute of limitations of 7 years that prevents debt collectors from contacting you but what happens to the debt after that time frame?

Also, if you get a letter from a debt collection agency stating you owe a debt, how to prove that the debt is real and you do in fact owe?

ncsustandup asked:


Does agreeing to make monthly payments but them not accepting have anything to do with the debt becoming valid again or does the statute of limitations still come into play? It has been almost 5 years and just now contacting me about an old debt in NC. The limitations for NC is 3 years but I told them I could possibly do a very small amount each month and they said it wasnt acceptable. Im dealing with an atty. by the way. What should I do? Can it still go against my credit if the limitations is up?

stef_leppard asked:


This past summer, a collection agency contacted me in regards to an account with a department store that was paid off in 1993. They told me I still owe on it. I no longer live in the state where the debt was initiated, so which state’s statute of limitations do I use, the state where the debt originated or where I currently live? Telling the agent who calls me that I don’t owe it doesn’t work. They tell me that their client still wants their money. Could this be a scam?