Statute of limitations on debt? Collection Agency Wants Payment for a 2002 University Bill.?

You need to ask them for the original note and the proof that you owe this money. This happened to me also. More than likely, they will not be able to provide you with that info. If they cannot, then they can't keep coming after you for the debt. They have to show that they have a right to that money. The statute is expired anyways, so there really is not anything they can do except for call you and send you letters.

As long as you have not made payments on it you should be passed your statue of limitations. If you pay $1 towards it the clock starts again as it is day 1. Sometimes collection agencies sell the debt for pennies on the dollar and the new companies see what they can collect. The statue of limitations is generally 5-7 years. Just dispute it with all 3 bureaus and you will most likely win.

Connecticut Statutes of Limitation on Debts:

Written contact, or on a simple or implied contract: 6 years, (CGS 52-576)

Oral contract, including any agreement wherein the party being charged has not signed a note or memorandum: 3 years, (CGS § 52- 581)

Was this a student loan? If it was, there isn't any statute of limitations for student loans. Also student loans are not dischargeable in bankruptcy.

There is no SOL on student loans.