What to do if I received a letter about a debt almost 4 years old?

Get Legal Help Today

 Secured with SHA-256 Encryption

What to do if I received a letter about a debt almost 4 years old?

There has been no correspondence since I stopped paying the debt. Now they’re saying that I need to respond to this particular law group within 30 days. What sort of action do I need to take in this circumstance?

Asked on January 11, 2013 under Bankruptcy Law, California

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

You don't state what kind of a debt  it is, but if it is one pursuant to some contract or other written agreement (including a loan; a credit card debt; or debt for medical care), the creditor can still seek payment from you up to four year after you failed to pay money when money was due. Therefore, based on what you write, the creditor could still sue you for this money; if you don't respond to their lawyers within the time frame they indicate,  they will presumably then institute a law suit against you. A good way to start is to ask the lawyers to provide proof or documentation of the debt; once you have it, you can decide if you believe you actually owe the money or not. That will inform your decision as to what to do: e.g. pay it; try to settle it for a lesser amount; refuse to pay and if necessary defend against it in court; etc.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption