when is the statue of limitations up on debt collection in the state of VA, on all credit card and me.bills?
484825
I found this answer on a web site and included the link:\n\nOpen account: 3 years from the last payment or last charge for goods or services rendered on the account.\n\nWritten contracts (non-UCC): 5 years.\n\nSale of goods under the UCC: 4 years.\n\nVirginia Judgments: 10 years, and renewable (extended) to 20 years.\n\nForeign judgments: 10 years.\n\nI am not sure how up to date or reliable this source is.\nI have also included alink to the Federal trade commission site. They are the agency that oversees fair debt collection practices.
811018
Call your landlord and creditors immediately and explain your problem.  You may have to pay late fees, but usually they will hold off on collecting as long as they know you're willing to pay.  Good luck!
571470
<sigh>\n\nOK, William, I thought you would be a differant form of creditor....but you are at least honest.  Just need some more education.\n\nWinelover, you are obviously a collector, peddeling the same like of BS as all the rest!\n\nLets clear up the lies.  Debts can NOT be reported on your credit report for more then 7 years, beginning on the date of the delinquency.  Please refer to the Fair Credit Reporting Act Section 804.\n\nCreditors can continue to collect on a debt that is older then the statute of limitations.  They just have no legal way of collecting.  Depending on the state, that runs from 4-10 years.  Once that day is passed, they can NOT sue you in court or legally try to collect.  If the debt is real old, you can simply contact the credit bureau and demand that it be removed due to the SOL running out.  It will probably require a letter to the creditor also.  Either way, debts older then 10 years can easily be ignored!\n\nSo when you folks tell people that depts never go away, you are simply uneducated or lying?  Which is it?\n\nThe only time they can continue to come after you is if they have taken you to court, and won a judgement.  \n\nThat said, lets answer your question.  William is correct.  Older debts do not hurt your score as bad as recent debts.  Don't get me wrong...negative reports still hurt!  \n\nIf you have any bills collection interest, pay them first (high interest rates first).  Then just try and work your way through.\n\nBefore you pay, first contact the creditors and try to negotiate a lower balance if possible.  Just explain what happened and they may work with you.  \n\nMost importing...you are trying to cean up your credit report.  It does you absolutely no good to pay these bills if the creditor does not remove any negative information from your report.  And you will find that once they have your money, they will not be very cooperative in helping you.  Once paid, you no longer have any leverage to work with.\n\nGet IN WRITING an agreement that once the bill is paid, they will remove all negative information from your records.\n\nUse the sample letters below to help you.\n\nWhen you negotiate, DO NOT offer to pay anything.  One slick trick collectors are using is to ask for a "good faith" payment.  If you do that, you start the statute of limitations clock, and your debt added several years to it's age.  The way the game is played...you are NOT denying you owe the debt, but you are NOT offering to pay it either, until an agreement is reached.
1008363
If you have a copy of that promisary agreement, you would have a good case.  Without it, it's your word against theirs.\n\nAt lease tell the collection agency to send you a letter saying you do not have an agreement to pay them.  That will help out with any future statue of limitations arguments.
141824
In the state of Ohio, the limitation ranges from 6 years for oral agreements to 15 years for written (including Promissory Note). Note that "open accounts" which are credit card debts, have had some changes as a result of the recent Bankruptcy Reform Act\n\nThe following link will give you more information about the Statute of Limitations by State
742461
Contact your State VA office and ask them for assistance.  They can help you get your claim in and through all of the Fed VA run-arounds.  \n\nWhen I retired last year I was informed by a State VA Rep that the Fed VA wasn't my friend as they were the ones who were going to pay on any claim.  The State VA however didn't pay off but they knew the same info as the Feds.
1032474
16 years ago the statute of limitations is well past. You ahve nothing to worry about!!
1065045
I'm afraid the above people are incorrect.  There absolutely is a statue of limitations for collecting a debt.  It goes by the type of debt and the state in which the debt laws are under.  Please take a look at the sources section for a link to a website that shows the statue of limitations on debts by state.\n\nJust because there is a statue of limitations on collecting the debt does not mean that they still cant report it to your credit.  They just cannot harass you and it is often easy to get it removed by paying less than you owe.  (by your question I cannot tell if you are going after someone who owes you money... or if someone is trying to collect against you... So I am just assuming someone is trying to get money from you.)\n\nIf you want the item removed from your credit you can contact the collection agency or the original debtor by mail (be sure to do everything by mail as it will give you proof in court if it has to go there)  Make sure to send all letters certified mail also, and keep copies for your records.\n\nI suggest you first dispute the claim that you own the money and ask for a copy of your signature on the document stating that you accepted the terms of the loan (or whatever they are after).  Please note it is illegal to dispute items that you know you owe, but if you honestly feel you dont owe it or cannot remember back that far, etc then it can be disputed with both the credit reporting agencies (transunion, equifax, experian) and to the collection company or the original person who claims you owe money.  \n\nIf that fails or you find out "Opps I remember doing that now" then you need to clear the mark from your credit.  Legally they cannot harass you and it is just in your best interest to clear the matter.  You can often settle for less than you owe, since they know they cannot legally come after you for the debt since it is so old.  Be sure to get in writing that they are willing to accept $xxx.xx and will remove the matter from your credit.  When you send the check send a "Restrictively Endorsed" check and letter.  AGAIN keep copies of everything.\n\nThe "Restrictively Endorsed"  letter will pretty much read as follows:\n\nDear SO and So,\n\n    Please find inclosed a check for the amount of $xxx.xx  which is to be used to pay off my account XXXXXXXXX.  Your acceptance of this check signifies that the account is paid in full and that you will remove all derogatory items from my credit report for all of the major credit bureaus.\n\nThank you so much,\nSo and So.\n\nWhen and if they deposit that check... They have just agreed to the terms in your letter.  Again the letter and check must be in the same envelope.  They must be sent registered mail, and keep a copy of everything.\n\nHope this helps you to remove that collection or at least clear it up (again the statue of limitations is below for your review).  If you are trying to collect a debt then the below link will help you to decide the statue of limitations also.
945804
No. Each state has a statute of limitations, it is usually 6-7 years depending on where you live. For example, in NY if you incurred a debt 1/1/2000 and never paid on the account, the SOL would be up 6 years later, on 1/1/2006. Usually it starts from the date of first delinquency. A company cannot collect, you do not have to pay it, and a court will throw out a judgment that is outside the SOL.\n\nUnder the FCRA, they also cannot list a debt on your credit report that is over 7 years old, regardless of the SOL. If you see this on your report, dispute as "the 7 year reporting period under the FCRA has expired". The Fair Credit Reporting Act does not allow bad debts to be listed for more than 7 years, except bankruptcy which can be listed for 10.\n\nBy the way, do not, and I mean DO NOT under any circumstances pay this debt if it is over 9 years old. It will reset the SOL, and also the 7 yr reporting period, which means it can be listed for another 7 years on your credit report. One of the worst mistakes people make is they think paying old debts will help their credit. It won't! Making a payment causes the Date of Last Activity for the account to be updated to this month, instead of 9 years ago, and your credit score will plummet.
196327
Go to www.courts.state.va.us  Look under Case Information & pick the correct court (traffic tickets are in General District some criminal cases as well, Felonies are in Circuit)  Pick the county where the violation occurred & enter the offenders name (preferrably last name comma first initial)  It should give you the court date & time.\n\nChecked myself as well.  WOW!  4/26/06 at 9:00 a.m. in Circuit Court. Hope you get the results you want.
795310
This a question I get all the time and the answer depends on the person and their credit to begin with.  Do you have credit accounts now?  Are you close to the limit on any of the accounts?  With ALL of your credit accounts the best scores come from 35% of your credit line or less.  Once you go above 75% you really start to take a beating on your credit score and over the limit just about kills it.  Should you be in the upper end of your credit accounts it would be best to stay at home and pay down all of your accounts.  Pay down the highest interest rates first then work your way to each account.  \nYou don't have any credit accounts?  Get some but not store accounts, get true credit accounts like Master Card or Visa.  Even consider doing a secured credit account with one of them if your credit is not established yet.  You will need a min of 6mo's of reporting to really build your credit score.\nNow to your VA loan you have my utmost respect and Thanks for serving in our military.  \nYou must have a clean credit history of 24mo's before the VA will allow you to use your VA status.  That means no lates, no judgments, no liens and no BK's in the past 24mo's.  You can have min credit with VA just not bad credit or late pays.  \nWell I have rambled on so if you have any questions please e-mail me back and I will be happy to answer them for you.\n\nBest of luck,\nGregg
200745
Go to www.va.gov.  Fill in the blanks, print and fax.  Get it in the mail in about 2 weeks
481860
It sounds like they are bumping your reporting dates.  The law says the reports can only be on your history for 7 years, beginning the date of default.\n\nIf you have anything to show this, send the credit reporting agency a letter to protest it and have the listing corrected or removed.\n\nAlso send a letter to the creditor demanding that the "Validate" the debt.  That means that they must supply you with contracts, bills, recepts, and everything that was used to calculate what they claim you owe.  If they can't produce this information, the listing must come off.  Otherwise you can sue them for violation of the Fair Credit Reporting Act.\n\nRead the link below, along with a sample letter.\n\nAs for your student loan, it's not likely you can fight it, especially if it's a government backed loan.  It will drop off after 7 years.
372354
The statute of limitations for each state is readilly available on the internet with a simple search.\n\nAttory Generals are not in the business of giving individuals legal advice.\n\nSo what is your problem here?  If the \nSOL has run out, you need to go back to court and get the judgement appealed and overturned.  Until that time the creditor can continue to garnish your wages.
480930
Deadline to file was the 17th, but the deadline to actually pay Virginia State Tax is May 1st...
626868
Contact your state's Attorney General. Their office should be able to give you all of the rules for debt collection in your state.
521479
updated continuously:\n\nhttp://www.toptips.com/debtclock.html