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  1. #1
    Join Date
    Sep 2006
    Posts
    1

    Default Summons on disputed Credit Card

    I just received a summons on an old credit card account, but I disputed the account last year and all three credit agencies deleted the account from my credit. To my knowledge, the debt was cleared and I no longer owe it. Now the same company is sueing me on this. Is that possible considering I've disputed this already? Plus, they provided a copy of the credit card agreement but not my actual signed copy. I'm waiting to contact an attorney tomorrow, but this is making me very anxious. I also saved all my credit reports from when the dispute came back along with the letters I sent to them originally when they first tried to collect.

    BTW, I live in AZ and have been since the account was opened. Per their order, my balance was as of 6/30/2001. I believe the SOL in Arizona is 6 years, but I stopped paying on this since 1999 because it was fraudulantly used by my ex. Can anyone offer any advice? Suggestions? Help?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Summons on disputed Credit Card

    What is or is not on your credit report is independent of the question of whether a debt is legally enforceable. More commonly, debts which are no longer enforceable in court will continue to appear on a credit report.

    You stopped paying in 1999 and nobody subsequently used the account or paid toward the balance? Then it sounds like you have a decent statute of limitations defense.

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