My question involves collection proceedings in the State of:Virginia
I had an old debt , 7 yrs ago. It doesn't even show on my credit report .It disappeared last month.
This week I get a call from a debt collector asking for for 3,500.00. I told him that it's too old (passed the statue of limitation :VA) and I don't even remember it was this much. All I remember it was 1500 max.
Anyhow he said that he filed a law suit against me in 2010 which I wasn't aware of and since I didn't show up they issued a warrant in debt against me in 2010. Checked the court records and he was right.
My questions are
- is there any statue of limitation on warrant in debt ?
-Can he still block my bank account or garnish my paycheck? I only make 31K a year.
- I can't afford paying the 3k now.
- should I be worried ? I have a new born and in maternity leave now. I don't qualify for gov assistance .
- if he calls again what should I say or do ?
What's the next step for me?
Please advice me
Thank you in advance for all your help.