My question involves collection proceedings in the State of: New York.
I need help for my girl.
4/19 my girl had went to use her dibit card and to find out her account has been frozen by citbank for a debt school loan she took out in 01.
The funny thing is she was served a summons for 12/17/07 but it was delivery to her 1/04/08 ( posted on mail ).
it says you have up to 20 days to answer after the date.
thats funny. the 12/17/07 to 1/04/08 is 19 days apart witch mean they are and the wrong for sending to her so late but on top of that she never took care of it at the time into now that her account is frozen.
so this week she going go to the count to VACATE the JUDGMENT.
can she use that as an Excuse for why she never answer back?
Also I'm not sure but the look at her credit report her Statute of Limitations expires " I think.
On the report is shows that wachovai ( the people she got the loan from )
state that it open 10/01 and last activity 04/02 witch mean by law, the Statute of Limitations expires. But the new collections agency witch took over ( lvny funding llc ) says date opened 06/2006, did they reopen the case? and does the Statute of Limitations stays the same from the time it was open by wachovia or it start over??
can somebody tell me the right way of dealing with all this?
I need help,