Talk to a Tax Consultant

tax

Talk to a Debt Consultant

debt

Talk to a Credit Repair Consultant

credit

Talk to a Student Loan Consultant

credit

Talk to a Mortgage Loan Consultant

credit
Nav Right
Nav Right

Get Started for a Free Consultation!


Debt Destroy
Statute of Limitations on Debt
Tom (Guest) - I have a question about the Washington State SOL of 3 years for ope-ended debt (credit card debt).  You cite and link to two statutes from the RCW: 4.16.40 and 4.16.80.  As I read them, neither makes clear that for open-ended debt the statute is 3 years, as indicated in your list.

Could you double check to see if these are indeed the statutes you intend to cite, and if so, refer me to the particular provision within the statute which indicates open-ended debt statute of limitations at 3 years?

Many thanks,
Jim
- Keep it up. Thanks for sharing this article.
bogsy - very well said.thanks for sharing
Number1Femme - nicely written. this info is very legitimate
- Thanks for sharing your blog. It's a good help.
Purnendu - nice post...
- IT IS A VERY GOOD  ARTICLE.
- great wriitten
anne_20002002 - wow, nice article
- great collections ya !!!!!!!!!
yunfei - Nice post.Good one.Thanks for sharing.
szack - Great job
- you always give us some helpful ideas.thank you
nagasri - Nice post!
- great information from your ariticles.thanks
Purnendu - good one..
nishu_achreja - good post
nishu_achreja - Very good

         
tazar - good info..............
- Keep writing quality articles. Thanks for sharing.
Purnendu - Good post...very informative..
- your post is interesthing. thank you.
Purnendu - thanks for the information
jdmanuel - Nice information
aida0205 - thats good information.
strmek - Good one!
strmek - Very useful one, thanks!
- lot of useful infos r here...........
unleash - great information.
unleash - I learned a lot, thank you.
- nice article thanks.
varushar - Good one ..but didn't understand the last column of the table..
sunroyal - nice research
sunroyal - gud analysis
tazar - great article
hinatakun - Nice review!
hinatakun - very informative post!
srikantuts - good article.
srikantuts - Nice review, thanks alot!
sulasok - Nice article!
ravi111 - Hi good Onwe
newfriend01 - Thanx for your tabulated data and analysis with good examples
- Very good analizing data.
tazar - great info, thank's
schoolboy - good info! thanks.
- this is very informative, i was also told or maybe i heard that if a creditor was not hounding you or was not even trying to get what you owe them for about 10 years, then you will be free of this debt. of course the record will prevent you from transacting from other banks though during the 10 year window... :(  i wonder if this is true?
vivianchen - I will read it more carefully when i need it.
akhil4u6 - i never knew the statutes of them til i read this page...informative really..keep posting..
- opsssssss too long.............but a informative one..   

   
- OMG too long. but it's good!!
- sorry, some of this I cannot understand!
scgodess - hmm this is interesting.  I wonder how it would work for me though.  Long story short my ex and I had declared chapter 13 in 2004 i believe it was.  When we seperated we agreed to each pay have of the repayment each month.  He didn't, but i did.  after him not paying for a while we ended up getting kicked out. Now some of the debt collectors from the bankruptcy are calling. me.  My ex won't pay anything so it leaves me to do it.  I've been trying very hard to pay them off.  Most of them have been very nice and are working with me.  In fact i've paid a few off already but it seems every month there's  a new one that calls.  Would this work for me i wonder?
Morganna_48 - Wow!  I didn't realize this, what great information, the links to click on for my state don't work but I will do some research on this matter for my state of Missouri....thanks again !!!
erica5412 - This was very informative. Thank you. It's very detailed & can help everyone.
- Very  informative those...THX
- wow.... good article. thank for share
- great work...  u deserve this...fr this great article...
Jokershinobi - great article and verry informative ;) thx a lot :D
aliaslucs - I read your article and its really help me a lot, thanks anyway
austenfan - It is important to be knowledgeable on certain legalities when handling your debt.
- Thanks for your article .
- Nice and detailed article!
- This is very informative. I wish many will get to know this information . Keep on posting related posts.
sandalwood - Overall, a very good and informative article. Thank you very much for being so detailed. However, I did notice one minor misstatement.

You said:

Remember that if your creditor is based in a different state than you, they have the choice of which state to sue in. Usually, they choose the state with the longer statute of limitations.

I say minor error because the Fair Debt Collection Practices Act at section 811 (a) (2) states:

in the case of an action not described in paragraph (1), bring such action only in the judicial district or similar legal entity--

   (A) in which such consumer signed the contract sued upon; or

   (B) in which such consumer resides at the commencement of the action.

Paragraph (1) mentioned above specifically deals with real property and is clearly not what you are talking about in your article.

So, it is clear from the FDCPA, a consumer cannot be sued other than where (s)he lives. Consumers living in CA for example don't have to worry about being summoned to court in NY. That kind of horse crap went out when the FDCPA was passed into law.

Related Blog Posts

Related Articles

All Rights reserved, 2009 DestroyDebt.com

Terms of use