What are the re-aging laws?
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What are the re-aging laws?
A creditor sent me a notice about a debt from 9 years ago. It is past the statute of limitations for collecting the debt so I contacted them thinking someone had opened an account under my name. t was in fact a debt that I incured. Did my contacting them about it re-age the debt so that it reset the statute of limitations?
Asked on April 23, 2012 under Bankruptcy Law, Washington
Answers:
Kenneth Berger / Kenneth A. Berger, Attorney at Law
Answered 12 years ago | Contributor
I really doubt that. You didn't tell me much about the type of debt, but very few debts will survive 9 years, assuming that there were no payments made in that period of time. The most typical statute of limitations for written debts in Washington is 6 years, and in many cases the statute runs from when the last payment was made.
On the other hand, out of state collectors will often threaten enforcement after the statute has run. There may well be ways to stop such collection activities (such as actions under the FDCPA), but I have not found such efforts to be particularly cost effective.
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