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... |
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respadatcill | Can you file bankruptcy on credit cards that are over ten years overdue? |
If so what would you suggest I do? |
 |
 
Studly
|
Morons! Everybody on Yahoo is Morons today!
Let me ask you something......
Have you checked your credit report lately? Are any of these collections listed on it?
I bet not. After 7 years they can no longer be listed on your credit reports.
Ever hear of the Statute of Limitations?
The SOL is the timeframe a creditor has to sue you. For credit card debts, it's generally 4-6 years, but you need to double check with the state you live in. In no case is it over 10 years.
So.....you no longer have a legal obligation to pay any of these debts. If they call you, tell them to go away. If they try and sue you, simply file a motion to dismiss based on the Statute of Limitations. They can't do anything to you.
So that said....you don't need to file bankruptcy.
Contact me if you need more info. |
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philliesmeyer
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pay your bills and dont be a deadbeat |
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lingua06437
 |
You need an attorney. |
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rluhring@swbell.net
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Pay up deadbeat.
We are all getting of carrying your sorry *** |
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oleurud
 |
if your cards haven't been paid on in 7 years or longer........dispute through all three major credit reporting companies and tell them the statute of limitations are up.....they will be deleted...congrats you got away without paying and going bankrupt.... |
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College Student
 |
Get a bankruptcy lawyer. And by now those cards have been sold to collections agencys. I would tell you how to save money and file on your own like me but the law has changed and gotten way to confusing. |
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technical difficulties
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wow 10 years, how did ya do it?
yes, you can file bankruptcy as a matter of fact that's a good start.
bankruptcy isn't all that... get a lawyer pay the fee then go before the us trustee and then that's it. |
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cab veteran
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You need to consult with an attorney or a certified public accountant. |
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iuw r
 |
How to Avoid Bankruptcy Explained
http://www.debt-explained.com/category/How-to-Avoid-Bankruptcy-Explained.html |
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INACTIVE
|
What's with all the bankruptcy questions??? It's not like it used to be. People have to qualify for bankruptcy now with a certain debt to income ratio. It's mounds and mounds of paperwork, court appearances, etc. I wouldn't consider bankruptcy for less than $50,000 in credit card debts. There are so many rules and laws. Of course the attorney is the only real answer for your state and your situation. It should a last resort but as for credit cards that are 10 years overdue, they are past the statute of limitations if you have not paid a dime on them, DONT. They need to be removed from your records under the Fair Credit Reporting Act. If you have paid a payment within the amount of time as a statute of limitations in your state, sorry, you are now liable to pay those debts. |
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Lola P
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why have you waited that long to pay your credit card bills? |
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