Debt Collectors--time frame before suing?

The time frame to seek legal action in court to collect is referred to as the "statue of limitations"

These statues vary from state to state. If the debt is beyond your states SOL, then it is considered "time barred" and they can not collect or seek legal action. If they did, this would be your defense.

However, if you make any payment to them, then you have re-set the SOL and it starts all over again so best bet, check your States SOL and the link I provided in the source.

The answer is yes; your debt collectors can sue you depending on how long you have had these debts in collection. Before they take you to court they will most likely start garnishing your wages from your bank account. Your best bet is to take action now, there are many programs out there that can settle and negotiate your debt for you as an alternative to bankruptcy -- which is where you’re headed if you do not act on these delinquent accounts.

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It is very unlikely they will take you to court, as it would not be cost effective for collectors to take people to court. They could in theory, but it is almost never the case. Work out a payment plan or offer a cash settlement. If you offer to settle, insist (in writing) on getting a pay to delete, this will improve your credit.

He ought to call the companies and manage a repayment plan. those companies comprehend how plenty it is going to value them for each and all of the courtroom stuff. they are going to be happy to have the skill to recuperate some money. He can clarify on the subject of the situation and spot if he could make teeny tiny money for 6 months and then initiate paying the commonplace money after that. If he information financial ruin they're going to get no longer something so as that they're going to prefer to steer away from that. sooner or later whilst he is going to make a significant purchase he can connect a letter of clarification approximately this demanding monetary era in his existence and how he made arrangements to shelter his money owed. lenders may be forgiving in the event that they see this as a non everlasting misfortune and not somebody purposely abusing credit. do no longer marry (if that's your plan) till his money owed are paid off because of fact as a married couple you would be in charge for his money owed besides.

Send them anything if you want to keep this out of court.

It could very well delay the process if anything.

Stall them again tommorrow and tell them you are going to send them some money.

Chances are they want a lump sum, too bad.

You are trying to delay right now, and this might work.

they did not even need to talk to you-your late you can be sued no b/s talking just sued