i have been reading this board for some time now,it is an excellent place to be informed about so many issues,but i dont quit understand this one problem (that i may of missed)about sol.even though it's not a credit card issue i would really appreciate it if some one could help me out.my husband has been self-employed for almost 7yrs as a contractor. we have no health insurance,we pay as we go thank god everything's been good so far!i have 3 dr. bills on my credit report,one from 9/01/95, one from 3/26/96 and the last one from 12/06/96,and every so often i will recieve a phone call from the collection agency,they just started to call a few months ago.has the sol ran out on this ? all other dr. bills have been payed.i forgot all about these ones.i live in ny. thank you!
Howdy! Go to this web page (go to the middle): http://www.vipcredit.com/statutesoflimitations.htm For New York State: For oral agreements its: 6 years For written contracts its: 6 years For promisary notes its: 6 years For open ended accounts its: 4 years This is the period that they can go after you in court. The credit reporting agencies report bad debts for seven years, bankruptcy for ten years, un-paid student loans forever (until paid, then seven years from payoff date), and tax leins forever (until paid, then seven years from payoff date). Read the wep page I mentioned. It will be very helpful. Good Luck!
thanks bkonner, i'll do just that!i just thought it was strange to start calling me after all this time. i very much appreciate this,
