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  1. #1
    Join Date
    Oct 2007
    Posts
    3

    Default Credit Card Suit in Virginia

    I was served a debt warrant today, NCO is the Plantiff, The said credit card debt is so old ot is no longer on my credit report. What are my options? They amount iis 55,000

  2. #2
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Credit Card Suit in Virginia

    The SOL for collection of the debt could very well be expired. When was the last activity on the credit card acct. (ie last payment)? If the SOL has expired, you can use that as your defense in court.

  3. #3
    Join Date
    Oct 2007
    Posts
    3

    Default Re: Credit Card Suit in Virginia

    what is the SOL for credit card in Virginia? 3 years? It is no longer on credit report, is it hard to beat the creditor?

  4. #4
    Join Date
    Jul 2006
    Location
    Ohio
    Posts
    1,126

    Default Re: Credit Card Suit in Virginia

    Quote Quoting gippy42
    View Post
    what is the SOL for credit card in Virginia? 3 years? It is no longer on credit report, is it hard to beat the creditor?
    Yes, 3 years. Not necessarily hard. BUT, you have to defend yourself by stating that the statute of limitations has expired.

  5. #5
    Join Date
    Oct 2007
    Posts
    3

    Default Re: Credit Card Suit in Virginia

    so, you are saying if this is no longer on my credit report, It has been at least 6 years or more of inactivity, this can be won by me getting this debt suit dismissed?

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