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Originally Posted by direstrates
Thank you for your reply. The statute of limitations is 6 years in Ireland, 4 years in California where loan commenced. It is almost 4 years now, however, it sounds like SOL of residence takes priority. I wrote a letter to Teri asking for debt validation and am waiting for a reply.
And have spoken to a couple solicitors here in Ireland...but need to continue. They do not have a debt collection practices act here. What do they need to prove to win a judgement? I am required to pay back the debt BUT I can only make small payments...which was not enough for the collectors.
I'm about ready to give up and just let them have the judgement. I have no assets and what more can I do? well I will continue to look for a lawyer.
Any information / advice you might have, I'd be happy to hear it.
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TERI will most likely to sue you where you live, so the SOL where you live will apply. They will have to take you to court to get a judgement that is if they can find you to serve you the court paper. They have to properly serve you with the court paper. Improper serve may give you an advanatage.
The bad thing about judgement is not what they can take from you, since you don't have much to take from , but what they can do to your credit reports. Not sure if they can renew the judgment in Ireland.
Check out your local law to see what things are non-exempt for the judgement. If they serve you with the court paper and your SOL has not expired, then I don't think you can get out of the judgment. Sorry.