I had a credit card go to collections in 2001 now they are calling me about getting a judgement on it.Whats this mean?

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I had a credit card go to collections in 2001 now they are calling me about getting a judgement on it.Whats this mean?

Asked on May 26, 2009 under Bankruptcy Law, Washington

Answers:

B. B., Member, New Jersey Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

I'm not a Washington State lawyer, but my research suggests that the time limit on a suit on a written contract, in your state, is six years, which would have run out on this account in 2007.

So, if I'm right, what this means is that the collection agency is bluffing, because the only way to get a judgment is to sue you, and it's too late.  One of the things we are seeing, in this difficult economy, is a serious increase in this sort of thing.

Don't argue with them if they call you again, just hang up, not a word.  You should also talk to an attorney in your area, to confirm what your rights are here, based on all of the facts of your case, including anything you haven't included in your question here.  It's possible that your rights under the fair debt collections practices laws have been violated, and if so, you could turn around and sue them!


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