Law Office of John C. Farrell, Jr. | John C. Farrell, Jr.
I would dispute the debt and instruct the collection agency to stop contacting you immediately. You should also get their information and send them a letter to cease and desist with a statement that any further contact would be considered a violations of your rights. The statute of limitations for a breach of contract in MA is 6 years. After this point the legal grounds for suing on a claim has passed. That being said, there are many factors involved in this topic so you need to be very careful. A creditor can pursue a claim past this time without suing with the hopes that you pay. Additionally, they can still sue you and it would be up to you to respond to the complaint on a defense that the S/L has passed. You should also be careful not to make any admissions, promises to pay or affirmations of the debt as these will be beneficial for the creditor in asserting their claim and defending the tolling of the statue of limitations.
Answer Applies to: Massachusetts
The Grundy Law Firm, PLLC | Elvin Grundy
The statute of limitations for a creditor to bring any legal action in an Arizona courtroom on a debt supported by a written contract is 6 years (See A.R.S. 12-548) and only 3 years if it is an oral debt unsupported by any writing. (See A.R.S. 12-543(1))
Answer Applies to: Arizona