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Money and Finances
Reply to "Just received a collection notice - insurance lapse that is over 10 years old "
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]12 year statute of limitations.[/quote] This. Your statute of limitations may have already passed. In any case, don't pay. Otherwise, you'll activate your collection account.[/quote] uh, no. OP said they're collecting for 2003, so 2013-2003= 10, not 12. So the SOL has not passed.[/quote] They can ASK you to pay. That does not mean you are legally OBLIGATED to pay. The statutory period has passed. Get your lawyer SIL to write them a letter to that effect.Don't try to hire one--clearly, you don't have enough money to pay one if you are quibbling over $3-4000. If you don't have a lawyer in the family, just pay the debt--then follow it up with the certified letter to get it off your credit report. Yeah, everyone hates lawyers until they need them.[/quote]
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