Time Barred Debt Lawsuits

Summary

In Alabama, the statute of limitations for credit card debt is three years. If a collection agency sues you for a time-barred debt, you may sue them for violating the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from using unfair or deceptive practices, including suing for time-barred debts. The statute of limitations for most other types of debt in Alabama is six years. Even if a debt is time-barred, collectors may still attempt to collect, but they cannot legally win a lawsuit if the debt is beyond the statute of limitations.

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can i be sued for a time barred debt by a collection agency
Hi Jarrid, a collection agency can sue for a time-barred debt, but they cannot win the case if you show the debt is time-barred. Could you please provide your location to give you more specific information?
alabama
In Alabama, the statute of limitations for most types of debt is six years. If the debt is older than six years, it's considered time-barred and you can't be sued. However, the debt doesn't disappear and collectors may still attempt to collect.
what is the statute of limitations for credit card debt
In Alabama, the statute of limitations for credit card debt is three years. This means a lawsuit for the debt must be filed within three years from the date of your last payment.
can i sue a collection agency for suing me for a time barred debt
In Alabama, if a collection agency sues you for a time-barred debt, you may potentially sue them for violating the Fair Debt Collection Practices Act (FDCPA). This act prohibits debt collectors from using unfair or deceptive practices, which includes suing or threatening to sue for time-barred debts.