you need to do some date checking. yes they can sell your debt. credit is just like any other commodity. instruments of debt can be bought and sold on the open market, but check the dates. there are statutes of limitations that render the debt dead. 7yrs is cutting it pretty close depending on the state and the type of debt. straight credit card debt runs out and is uncollectible after a time. some debts such as taxes, child support and suprisingly grocery debts never run out. it is not unlike crimes, I mean in most states you cannot prosecute a rape after 7 yrs, but you can a homicide. so check the last time you actually accrued debt on this account and the last time there was any activity etc... then contact free legal aid and ask their advise for your state on the statute of limitations. you may be able to tell the collection people to piss up a rope. however, the fact that you have been paying on it, in the form of garnishment may have restarted the clock, in some instances the clock is started/restarted everytime there is 'activity' on the account, including so much as a payment. contact legal aid for a correct answer.
__________________ lorelei,
wife to gerry  , momma to bear  , baxter  ,baby  and bug |