[LynnInMN]

Originally Posted by direstrates

Thank you Lynn. I plan to request debt validation. I am hoping to determine the SOL and go from there. I am not certain if they even have an FDCP here in Ireland. They also don't have student loans. I would like to find the equivalent of a NACA atty here but so far NACA has not been able to help.

Debt validation wont slow anything down. TERI will have a copy of the prom note.

If there is an SOL in Ireland, TERI would already of looked into that before hiring counsel.

If the SOL is not up, I will have to try to "win the judgement". What does the creditor have to prove to win the judgement? I have no property and I am self-employed so they can't garnish wages.

All they have to show is a contract with your signature. Since your default date, your balance has been due in full. I am assuming that by sueing you they could seize your bank accounts. You would have to look into Irish law.

DireStrates