Re: help with sol and lawsuit
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Posted by Why Chat (209.240.198.61) on November 17, 2002 at 09:18:19:
In Reply to: help with sol and lawsuit posted by kntinman on November 17, 2002 at 07:39:55:
If you have received nothing in writing,how do you know it is an attorney? There are a lot of crooked scam collection agents trying to scare people into paying $$ they do not owe. If they have given you an address to send $$ to, or asked for yor checking account # or asked you to wire $$ to them, it is a fraud. If they gave you a name and address of a law firm, please post it here and we will look it up for you. You say your BK was "dismissed" do you mean dismissed or discharged? In any case, you likely did not have to pay the collection agency on the auto account either, all it did was to put you on a "sucker" list of people who were easily scared into paying $$ they did not have to pay. In general, there is a specific amount of time after you default on a loan that anyone can sue you for the debt. In NY it is 6 years from your first "past due" month. In the case of a repossessed car, however,it is 2 years from the date of the sale of the car AFTER it has been LEGALLY repossessed, and THAT debt is only for the deficiency that was created if the car sold for less than what you owed.
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