Pauly_Walnuts Posted July 24, 2002 Report Share Posted July 24, 2002 I just recently recieved a letter from a collection agency threating that they will take me to court for a debt that was incurred using my discover card. This card was cancelled closed 1995 and was issued in the state of Maryland. A letter arrived at my mother's house in Pennsylvannia. This is significant because the states have different statue of limitations on when a debt can be recovered. In Maryland, it is 3 years and in Pennsylvannia it is six years as determined using the calcuator on this site. The card was issued in the state of Maryland and I have never lived in the state of Pennsylvania. What is my recourse at this point in time? Is this still a valid debt? My readings on this website is that it is no longer valid in the state of Maryland. Any suggestions on how to handle this would be appreciated. Link to comment Share on other sites More sharing options...
jordanmorganusa Posted July 24, 2002 Report Share Posted July 24, 2002 I'm not a lawyer, but Pennsylvania has nothing to do with it. If I am reading your post correctly, you cancelled and closed the account. So was there a balance? Even if there was, the SOL is up. Send them a validation. If they respond, let them know the SOL is up. They can't sue you now anyway. Link to comment Share on other sites More sharing options...
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