Old Debt Collection Solutions

Summary

In Oregon, debts older than six years are beyond the statute of limitations, preventing legal action for collection. Verify the debts age, request validation, and check your credit report. Creditors may still contact you, and some companies might require payment before opening new accounts. Consider consulting a legal advisor for guidance.

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I have a old collections account with a company in florida that is over 7 years old
In Oregon, the statute of limitations for debt collection is six years. Since your debt is over seven years old, it may be outside the statute of limitations, meaning the creditor cannot legally sue you to collect it. However, they might still attempt to contact you for payment.
Have you received any recent communication from the collection company regarding this debt?
how can i get rid of this debt legally
Manuel, since the debt is over seven years old, it is beyond the statute of limitations in Oregon. Here are some steps you can take:
*. Verify the Debt: Ensure the debt is indeed past the statute of limitations.
*. Request Validation: Ask the collection agency for written proof of the debt.
*. Cease Communication: Send a written request to the collection agency to stop contacting you.
*. Credit Report: Check your credit report to ensure the debt is not wrongly listed.
Have you tried any of these steps already?
not yet
Manuel, here are some more details on how to proceed:
*. Verify the Debt: Confirm the debt is beyond the statute of limitations.
*. Request Validation: Send a letter to the collection agency for written proof.
*. Cease Communication: Write to the agency to stop contacting you.
*. Credit Report: Review your credit report to ensure accuracy.
Have you considered consulting a legal advisor to help with these steps?
can a company hold me liable for a debt that is this old?
In Oregon, if the debt is beyond the statute of limitations (six years), the company cannot legally sue you to collect it. However, they might still try to contact you for payment. Have you received any recent legal threats or notices regarding this debt?
no.
Since the debt is beyond the statute of limitations, the company cannot legally sue you for it. Here are steps to consider:
*. Verify the debt is indeed past the statute of limitations.
*. Request validation from the collection agency.
*. Send a cease communication letter to the collection agency.
*. Check your credit report for accuracy.
Have you taken any actions on your credit report yet?
do i have to pay them to clear this amount if I want to have another account with them?
Case Rating: *.
In Oregon, while the company cannot legally sue you for the debt due to the statute of limitations, they might require you to pay the old debt before opening a new account with them.
Have you checked the company's specific policies regarding opening new accounts with existing debts?