QUESTION
Sued by cc company that is out of limitations.
Asked on Sep 30th, 2013 on Collections - Texas
More details to this question:
I lived in TX and had a credit card thru Chase. It was a very very long time ago (10yrs or so). I now live in SC and was wondering if the statue of limitations is up? I have not gotten served yet just talked to their lawyer and he was not answering my questions. They gave me till the end of the day to malarkey a payment or they will proceed with suing me. What should I do. Thanks.
1 ANSWER
Wills and Estate Planning Attorney serving Sugar Land, TX
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Law Offices of Kimberly D. Moss, PLLC
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The statute of limitations for credit card collection cases is 4 years. It is going to be up to you to prove that the claim is time barred if Chase decides to sue you for the debt. If you receive a court notice, you definitely need to respond and defend yourself against the claim. Do not ignore court paperwork if you should ever receive it. That is a fatal mistake and could allow the creditor to win a default judgment against you that will go on to your credit report and may allow them to attach a lien to your property that will prevent you from selling said property until you repay the debt. For more information, please go here: http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php
Answered on Sep 30th, 2013 at 3:22 PM