I have been residing overseas for 3 years, and recently gotten into communication with my parents, who have been getting calls and coorespondance for me from CA's. (See my thread "Newbie here") My state of residency before I moved overseas was Virginia. Can summons be sent via mail? I am concerned that the CA's may be getting ready to serve me (or maybe I am just paranoid!). Since I am overseas, would mailing a summons to my parents house work for that? (I can't imagine it would, as I haven't lived there in over a decade!) I'm a bit worried they may have sent some time-sensitive stuff by mail, and I won't know until my mother forwards it to me. Is being out of the country a valid reason for anything? I hope this makes sense!
How old is the debt? I'm in VA, and the statute of limitations on an open acct is 3 years from last payment or charge on credit card. If you know you're past that time, send them a letter telling them it's a time barred debt. Tell your parents not to talk to these people..... VA has the sheriff leave a lovely summons on your door of your last known residence if someone is trying to serve you.
The SOL runs out Sept. 2006. My folks live in NC, and they are CA savvy! Would it count as being served if they leave a summons at a place I no longer reside? See, I'm moving back to VA or NC in February and trying to come up with a plan of action to thwart any legal attempts against me until Sept. I really don't know where to begin! I don't know if I should start with disputing my CR or doing validation letters or what....messy, isn't it?
They could serve you where you entered into the contract with them, or where you live now (which is still overseas). So, if you signed your credit agreement in VA, then they can sue in VA. If you signed in NC, they could do it there. Why are they sending letters to your parents? Is that the last place you lived before you moved overseas? I would ask them to validate the debt after you receive the letter. Have you seen the sample letters about asking for validation?
Yes, I've seen the sample letters. Good stuff. I guess they are sending letters (and calling) my parent's house b/c that address is listed as mine with TU. I don't know why. I haven't lived there in a decade. At the date of last account activity, I was in Kuwait. I have no idea how this affects the SOL. I think I'll just have to get a lawyer when I return to the states...I can't figure this mess out!
