Ben S. Posted September 16, 2010 Report Share Posted September 16, 2010 Hello,I was of the opinion that the Statute of Limitations could only be undone in case of use of the Credit Card in question, a payment on said Credit Card, or an offer by the debtor to make good on an old Credit Card debt (well past SoL) under Maryland state law, yet are there other ways as well (whereby SoL could be undermined)?For Example, if a Consumer recieves a automated phone message stating "This is your last chance to Consolidate your Credit Cards, Press 1!"The Consumer responds by pressing "1" & a female operator says, "We can combine your Credit Cards into one monthly payment. Does this sound like something you might be interested in doing (coy voice)?"The Consumer responds, "If I understand you correctly then you're not actually with my Credit Card?"Female Operator, "No."The Consumer, "Then the answer is No!" (and hangs up)I believe the important part is that the Consumer said "NO," yet what if he/she had said "yes" or "maybe?" Would that have been sufficient to undue the SoL?Additionally, for those that are SUPER smart, thrifty, or just plain bored by watching reality tv...Bonus Questions for those that like to show off!If a Collection Agency (acting on behalf of a major Credit Card) makes phone calls to a debtor, and the debtor responds with a FOAD Letter (pointing out SoL has expired), what is the likely response?Can the Credit Card Co. simply turn around & hand over the account to a new/different Collection Agency? Thereby renewing the harassment of the debtor?I thank you for having taken the time to read my post & a well informed response would be great! Link to comment Share on other sites More sharing options...
BTO429 Posted September 20, 2010 Report Share Posted September 20, 2010 Yes it vcan be sold to anther ca starting the harrassing all over again.Starting the sol over only if they can prove it in court. If ya did agree to a new settlement over the phone they would have to prove that. Link to comment Share on other sites More sharing options...
Ben S. Posted September 21, 2010 Author Report Share Posted September 21, 2010 BTO429,Thank you for having taken the time to read my post & for responding.I hope all goes well with your future plans to become a lawyer (bar exam)...and Semper Fi indeed! Ben Link to comment Share on other sites More sharing options...
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