How long after the last payment can a credit card company legally come after me? 16 Answers as of July 04, 2013

Can a credit card company come after me for money owed after 7 years?

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Mercado & Hartung, PLLC
Mercado & Hartung, PLLC | Christopher J. Mercado
In WA, the Statute of Limitations is 3yrs on an oral contact, or 6yrs on a written contract.
Answer Applies to: Washington
Replied: 6/22/2011
Law Office of Maureen O' Malley
Law Office of Maureen O' Malley | Maureen O'Malley
Depends on the Statute of Limitations in your state. If it's passed, and you acknowledge it as your debt in any way, it starts all over again.
Answer Applies to: Virginia
Replied: 6/22/2011
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
It depends on what state you are in. The statute of limitations is 4 years in California. There are some other states that have longer ones. You have to check on your state statute of limitations.
Answer Applies to: California
Replied: 6/22/2011
CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
That would be 5 years.
Answer Applies to: California
Replied: 7/4/2013
The Law Office of Mark J. Markus
The Law Office of Mark J. Markus | Mark Markus
That depends on the laws of the state governing your cardholder agreement, and whether you've made payments on the debt or otherwise affirmed the debt during that period.
Answer Applies to: California
Replied: 6/21/2011
    Greifendorff Law Offices, PC
    Greifendorff Law Offices, PC | Christine Wilton
    CA Code of Civ Procedure 337 says 4 years on a written contract. Consult with an attorney to be certain.
    Answer Applies to: California
    Replied: 6/21/2011
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    If a creditor has a judgment it is valid for ten years and can be renewed for an additional ten years. In the absence of a judgment the statute of limitations would expire four years after the breach.
    Answer Applies to: California
    Replied: 6/21/2011
    Daniel Hoarfrost, Attorney at Law
    Daniel Hoarfrost, Attorney at Law | Daniel Hoarfrost
    In Oregon, the statute of limitations for a contract case is 6 years.
    Answer Applies to: Oregon
    Replied: 6/21/2011
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    To come after you the credit card co. must sue you by filing a summons and complaint, within 4 years of the last payment you made to them. If this was not done then they really can't come after you. They still can harass you and report the non payment on your credit report.
    Answer Applies to: California
    Replied: 6/21/2011
    Burnham & Associates
    Burnham & Associates | Stephanie K. Burnham
    In New Hampshire a credit card company can only come after you for three years from the last time you paid, or acknowledged that you owed the debt, whichever is later. This means that if you have not spoken with the credit card company in over three years and have not paid them anything - they cannot file a lawsuit to collect the money. However, many credit card companies still attempt to take action or "trick" people into agreeing they owed the money restarting the time table. If the collection company is filing on your credit report and pursuing you, it may take some work on your part to get them to back off.
    Answer Applies to: New Hampshire
    Replied: 6/21/2011
    Indianapolis Bankruptcy Law Office of Eric C. Lewis
    Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
    Depends on the laws of your state. In Indiana, if a creditor sues you and is awarded a judgment, they can apply up to 20 years to collect on that judgment.
    Answer Applies to: Indiana
    Replied: 6/21/2011
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    If you mean "come after you" suing you, it depends on the statute of limitations in the state where you live. Generally in most states the statute of limitation for this type of debt does not go as long as seven years. If you mean calling you and sending letters, as long as they don't sue or threaten to sue after the statute of limitations, they can call and write as long as they think there is a chance to get you to pay.
    Answer Applies to: California
    Replied: 6/21/2011
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    Statute of limitations but anything is possible in the law.
    Answer Applies to: California
    Replied: 6/21/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    They can come after you 77 years later too. The question will be is the statute of limitations violated and since you did not state what state's language was in your car agreement (the insert they mailed you), no one here can tell you. If the statute has been violated you have ways to stop them.
    Answer Applies to: Georgia
    Replied: 6/21/2011
    Law Offices of Virginia E. Fortunato
    Law Offices of Virginia E. Fortunato | Virginia E. Fortunato
    In New Jersey, the statute of limitations for suing you on a contract claim is six years. Check with the state in which you live. However, creditors may continue to harass you beyond six years in the hopes that you might pay them.
    Answer Applies to: New Jersey
    Replied: 6/21/2011
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