[NotLegalEagle]

I received a letter from an attorney/collection agency threatening legal action on an account that I have failed to pay over the past 3 years. This a contract completed via internet with Icon fitness and was initially set up for direct withdrawal. I cancelled their ability to access my account for payments after they took an additional payment one month and caused a cascade of NSF checks. They denied responsibilty although I presented documentation from my bank as proof. They later turned the account over for collection, and the collection company refused to accept payments. Now, They have a new attorney/collection company with the threatening letters and the phone calls 5 times a day. (yes, 5 times a day). My question is:Isn't there a statue of limitation in Indiana for filing suit to collect this debt? I do want to get this paid to remove it from my credit report, but I have a cash flow problem now that should be resolved by the end of the year ( I was suddenly unemployed 6 months last year and barely escaped loosing my home). Thanks for any info you can provide.

[aaron]

Depending upon whether the contract falls under the general limitations period for a written contract, or the limitations period for a contract for payment of money, the limitations period in Indiana is probably between six and ten years.