QUESTION

Can I be sued for a credit card debt from 2003?

Asked on Apr 26th, 2021 on Civil Litigation - Virginia
More details to this question:
I was just contacted by phone to tell me I am being sued. I called the number back and they had my address, last 4 of my social, and previous address. They said I am being sued for over 5000 and I never had a credit card balance anywhere near that amount.
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1 ANSWER

Appellate Practice Attorney serving New York, NY
You can be sued for anything, but the statute of limitations on a 2003 credit card debt has likely expired unless it was extended for some reason, such as you making a payment or otherwise acknowledging the debt within the limitations period.  Please note, that while hte limitations period on the debt has likely run, if the creditor had already sued you and obtained a judgment against you, the limitations period for collecting on that judgment has not run.    P.s. even thugh you assert that you never had a debt that high, you have to remember that interest at a high rate is accruing on any balance for a long time, plus your contract likely will also  provide for certain expenses of collection to be added to your debt.
Answered on Apr 26th, 2021 at 1:16 PM

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