My question involves collection proceedings in the State of: KY, MT, OH
I am being harassed by a debt collection agency over a CC debt that was last active in dec. of 2001. The account was opened in Montana, probably w/ a permanent address listed in Ohio, and I currently reside in Kentucky, so there are possibly three states that would fall into question here re: SOL. Having no idea of which one the debt collector would use as a basis for a law suit, and little time to contact to state Attourney General's office of each state, I am unsure how to proceed.
My main question is whether CC debt falls under written or open contracts in aforementioned states. Fro m my web research it appears there is no real rule of thumb here. I have no money with which to settle the debt with the collector, short of partial payments, and it seems my only option is to take the SOL defense. Can anyone reccommend a way to proceed in this matter? I am extremely grateful for any worthwhile advice that you can provide.
I have already contacted the FCC<?>, and have downloaded the SOL form letter.