I recently got a call from a collector conserning a debt that my ex girlfriend said she payed and did not. It was from may of 2004 in Ohio.
2006-12-12 08:40:49 · 4 answers · asked by beerman0028 1 in Politics & Government ➔ Law & Ethics
Sorry, last time I checked, Ohio has really long statutes of limitations for old debts. Contracts not in writing have an SOL of 6 years. Contracts in writing are 15. Actual judgments can be even longer. On top of that, you can re-set the statute of limitations by acknowledging the debt and making a promise to pay in the future. Fair debt collection practices, under federal law, does not provide the statutes of limitations, but does control the conduct of the debt collector, for example, how many times/ how late they can call, and what they can't say. If you own anything, you should probably just pay it off. You could always try getting a share from your ex-gf if she was responsible for paying the debt.
2006-12-12 12:15:02 · answer #1 · answered by Fanafofana 3 · 0⤊ 0⤋
3 years
2006-12-12 16:50:08 · answer #2 · answered by c w 1 · 0⤊ 0⤋
Section 605 [15 U.S.C. § 1681c] any debts charged off or in collections can only be reported for 7 1/2 years from the date of last missed payment and CAN NOT be re dated or placed back on your credit report. Once a debt has aged, it disappears.
2014-11-24 19:58:37 · answer #3 · answered by Lightpaws 1 · 0⤊ 0⤋
Not sure about Ohio, but I'm pretty sure the Fair Collections Act is four years.
2006-12-12 17:23:49 · answer #4 · answered by Anonymous · 0⤊ 0⤋