Collecting Old Debts

Are you getting calls about a debt that you incurred more than five years ago? Did you know that there is a statute of limitations on how long a debt can be collected? If someone is trying to collect an old debt, you may have a case for debt collection harassment.

Debt Collection Time Limits

The creditor has a limited amount of time to start proceedings again a debtor. In general, the statute of limitations is five years, although it depends on the type of debt. If a creditor doesn’t file a lawsuit within five years, you may not have the legal responsibility to repay the debt. If the original creditor suddenly starts trying to collect, you may need to hire a debt harassment attorney.

Occasionally, a third-party collections agency will try to collect on old loans or a creditor will file a lawsuit to collect on an old loan. If this happens to you, do not ignore the summons. If you do, you may very well end up repaying a debt that you are no longer responsible for. Instead, consider contacting a debt collection harassment lawyer.

Other Types of Harassment

The collectors may start harassing you in other ways as well – they may misrepresent the case for collection or lie about your responsibility to repay the debt. If you live in the Greater Tampa Bay Area, you don’t need to go it alone because there is someone who can help you stop the harassment and collection of old debts.

Brian Hoag is experienced in protecting debtors from harassing creditors. There are federal and state laws to protect you against creditors who go too far in trying to collect debts. You may owe money, but harassment is not part of what you have to put up with.

Hopefully, you will never be in a position in which you need the legal services of a Tampa personal injury lawyer that specializes in debt collection harassment, but in the event that you do, please give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced attorney at your side, you can recover the largest possible settlement and get back to living your life.

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