Re: Help Why Chat Need some advice! Can you help?
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Posted by Why Chat (209.240.198.61) on June 13, 2003 at 17:42:17:
In Reply to: Re: Help Why Chat Need some advice! Can you help? posted by LadynRed on June 13, 2003 at 17:13:31:
I answered this on creditboards,however, I will answer it again. This MAY not be a "consumer" credit transaction. If he purchased building materials etc. from a local merchant,on a "book" account, with the merchant not putting it through a finance company, even if it was to fix up his own house, it would likely be under the State UCC 4 year SOL. These types of transactions are considered merchant accounts, and are not covered under the FDCPA or FCRA, as are "Home Depot" type charge accounts.
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