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  1. #1

    Wink Am I Outside of the Statute of Limitations for Credit Card Debt

    My question involves collection proceedings in the State of: Pennsylvania. I currently live in Ohio. Been here since 3/2007.

    Debt Collector called and asked if I was going to pay my bill. I stated I didn't recall ever owning the card he mentioned. He then stated my last payment was made in Feb or March of 2003. Collector then ask if I would repay the debt - It was $900, but now $2400 due to late fees and interest. I asked to fax the billing statements because I don't recall owning the card. Collector said "a fax is not necessary, are you going to pay or not?" I told him I never owned the card he mentioned and my cell phone cut out. Does the SOL apply to this if I did own the card?

  2. #2
    Join Date
    Sep 2005
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    Default Re: Am I Outside of the Statute of Limitations for Credit Card Debt

    A statute of limitations applies; the nature of the debt can affect the limitations period. I understand Ohio credit card companies will argue that a fifteen year limitations period applies.

    Have you checked your credit report to see if there's an entry that sheds light on this? You can get a free copy at annualcreditreport.com.

  3. #3
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
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    5,252

    Default Re: Am I Outside of the Statute of Limitations for Credit Card Debt

    Re "Ohio" I agree with probable 15 yr. SOL for credit cards. Some info written by a debt collector noted -- The Oh. courts are agreeing with collectors that the SOL in Oh. is 15 years as they argue a credit card is a written contract. (though it's hard to say what any individual court will decide).

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