bluebelle52 Posted July 17, 2007 Report Share Posted July 17, 2007 I am in new to this community, but I need help desperately, the first is I need to find out the sol for a car debt, I have many more questions, because as I said I am in desperate need, thanks in advance, bluebell52 Link to comment Share on other sites More sharing options...
shinyrims Posted July 17, 2007 Report Share Posted July 17, 2007 what state are you in is the first question, many of ur answers are already in the forums, you just need to look. use the search Link to comment Share on other sites More sharing options...
bluebelle52 Posted July 17, 2007 Author Report Share Posted July 17, 2007 I live in georgia, Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 18, 2007 Report Share Posted July 18, 2007 what "car debt"?repo? Late payments? lease?I would think many things involving a car would fall under a state's "written contract" SOL laws...as the consumer enters into a contract with the dealer or financer.... Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 18, 2007 Report Share Posted July 18, 2007 If you defaulted and was repo'd then the SOL is usually 4 years from the time of sale at auction covered by the UCC. Link to comment Share on other sites More sharing options...
bluebelle52 Posted July 20, 2007 Author Report Share Posted July 20, 2007 I was buying the car, got it in 1997, they repo in 2000, since I first wrote ya'll,, I have check my credit report and that debt was charged off in 2000, how can they still be bothering me Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 23, 2007 Report Share Posted July 23, 2007 I don't know the code of georgia, but from what I remember reading, the SOL in GA is also 4 years. If I were you, I would tell them the claim is time barred and to FOAD. Do a search here for repo + georgia and you will likely find the answer. Link to comment Share on other sites More sharing options...
elyse449 Posted July 24, 2007 Report Share Posted July 24, 2007 I don't know the code of georgia, but from what I remember reading, the SOL in GA is also 4 years. If I were you, I would tell them the claim is time barred and to FOAD. Do a search here for repo + georgia and you will likely find the answer. Agreed. Than put a P.S. on there that says..."Oh, by the way--your legally allowable time limit to report negatively upon my credit files has expired, remove this tradeline immediately." I like FOAD, but I also like "go crap up a tree..." LOL.LOL...Elyse Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 24, 2007 Report Share Posted July 24, 2007 I also like "go crap up a tree..." LOL.LOL...ElyseThat's a good one too! However, I would like to add one more piece of info regarding the repo. If they didn't follow the statute they can NOT report you owe any deficiency for any amount of time. If they are reporting the deficiency balance on your CR, I would dispute it and if it comes back verified, then I would start building a case against them for violations of the FCRA. Link to comment Share on other sites More sharing options...
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