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  1. #1
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    Jul 2014
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    Default Lawsuit vs Judgement

    My question involves collection proceedings in the State of: New Jersey
    In 2005 I left a company that I had worked at for 23 years. I had signed as a guarantor for one of the company credit cards. The company stopped paying and the card went into default in 2006. I refused to pay as I was broke and no longer worked at the company. I never heard any more about it until this past week. A collection agency in Texas is threatening to get a judgement against me if I do not pay. The statute of limitations in Nj and NY is 6 years. Can they get a judgement after the statute of limitations has passed? Is a judgement the same as a lawsuit?

  2. #2
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    Default Re: Lawsuit vs Judgement

    Quote Quoting BrooklynBob
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    My question involves collection proceedings in the State of: New Jersey
    In 2005 I left a company that I had worked at for 23 years. I had signed as a guarantor for one of the company credit cards. The company stopped paying and the card went into default in 2006. I refused to pay as I was broke and no longer worked at the company. I never heard any more about it until this past week. A collection agency in Texas is threatening to get a judgement against me if I do not pay. The statute of limitations in Nj and NY is 6 years. Can they get a judgement after the statute of limitations has passed? Is a judgement the same as a lawsuit?
    I would definitely get a quick consult with a local attorney since it does appear that they are beyond the statute of limitations...and no, they should not be able to get a judgment beyond the statute of limitations. However, if they should try, it would be your responsibility to defend, in court, using the statute of limitations as your defense.

  3. #3
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    Default Re: Lawsuit vs Judgement

    Do a Google search for the collector's name -- I would not be surprised if they turn out to be a junk debt buyer. You may also want to investigate as to whether this Texas company is bonded with the Secretary of State, as required before engaging in collection activity in your state.

  4. #4
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    Default Re: Lawsuit vs Judgement

    Quote Quoting Mr. Knowitall
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    Do a Google search for the collector's name -- I would not be surprised if they turn out to be a junk debt buyer. You may also want to investigate as to whether this Texas company is bonded with the Secretary of State, as required before engaging in collection activity in your state.
    They are Commercial Recovery Systems from Plano Texas

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    Quote Quoting llworking
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    I would definitely get a quick consult with a local attorney since it does appear that they are beyond the statute of limitations...and no, they should not be able to get a judgment beyond the statute of limitations. However, if they should try, it would be your responsibility to defend, in court, using the statute of limitations as your defense.
    Would they bring it to a Texas court? WOuld I have to travel to Texas to present a defense?

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