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How long after a debt has been made can they chase you for it in south africa | |||||||||||||||||||||||||||||||||||||||||
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| ![]() Powered by | ![]() Q. How long can you talk down a collection agency on a 6 years old out of statute collections account? | |||||||||||||||||||||||||||||||||||||||


Q. Is it better to pay a long overdue account with the original creditor or with the collection agency that calls? i have a credit card that went way past due after i lost my job. i'm slowly getting back on my feet and have received a collection letter from some collection agency asking for payment of that account. i'm not sure which is better for repairing my credit -- calling the original creditor or just paying this thru the credit agency?
"Many credit cards will not accept your payment..."
Many credit cards will not accept your payment if it has been turned over to a collection agency. As for repairing your credit, the damage has been done already. You have 30 days from the date the letter was sent from the collection agency before it goes on your credit report. If it hasn't been 30 days, send the payment directly to them so it is credited faster.


Q. How long does a collection agency have to report a paid in full account? do they have to report this right away or do they get a certain amount of time to report it as being paid?
"It depends on the agency..."
it depends on the agency.
some report monthly, while other report quarterly


Q. My brother owes a very large debt, how long will a collection agency pursue him? my brother owes nearly 15k and has not made a payment in over a year. he's considering bankruptcy and right now the account is in collection. how long will the collection agency pursue the debt? he thinks that since the debt was written off by the creditor that he's release but i am trying to convince him to file bankruptcy since he can't pay the debt because the collection agency will probably stay on him for years. what do you think?
"And each state has a statute of limitations for how long he has a..."
They will pretty much pursue him until he dies...unless he learns his rights.
The debt can only be reported to the credit bureaus for 7 years from the date of first delinquency (see the Fair Credit Reporting Act) and each state has a statute of limitations for how long he has a legal obligation to repay the debt. Check the link below for more info.
http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml
If he can out last the SOL without getting sued, he can send a cease and desist letter and put a stop to them contacting him.


Q. After a debt is paid off with a collection agency, typically how long does the account remain a red flag?
"It will be on the report for eight years..."
It will be on the report for eight years, but "red flag" doesn't really describe the situation because recent history is much more important than old history in making decisions. After two years, most places won't care much if everything is clean since then.


Q. How long can a debt collection agency chase you to collect a debt on a closed credit card account?
"Is time barred and that if they continue to harass you..."
Forever if they want, but they can not seek legal action if the debt is "time barred" or otherwise known as being beyond your states statute of limitations.
You can find your states SOL on debt at this web site
http://www.bcsalliance.com/statute_of_limitations_on_debt.html
If the debt is time barred then simply send them a cease and desist letter via certified mail/return receipt. It need not be anything fancy, simply a letter stating the debt is time barred and that if they continue to harass you , you will seek civil action under the FDCPA.
Hope this helps answer your question.


Q. How long can collection agency chase after you? how long can collection agency try to get money after you? if there a time frame they will stop calling ? and if you dont pay at all, are they going to give up the account eventually?
thanks!
"After the statute of limitations runs out they can still sue..."
Legally they can come after you until you die.
Weather they can collect is another thing. After the statute of limitations runs out they can still sue you but it will be thrown out in court when you show that the S.O.L. has expired.
It will stay on your credit for 7-years from the date of first delinquency and then it will drop off.
So, if you can wait out the S.O.L. and the 7-years for your credit to clean up there is nothing they can do except call and ask you to pay them.
O.B.T.W. after it drops from your credit, no body is going to come back and say you have to pay it if you want to buy a home because it will not show on your credit so they will not know about it.
I swear some people that answer these question work for collection companies.


Q. How long does a collection agency have to respond to a request for more information? i have been contacted by a collection agency regarding a debt that i believe is beyond the sol. in a show of good faith, and hoping they will stop any further action, i have requested verification of the account, payment history, etc. how long do they have to respond? i don't want to be sitting on pins and needles forever.
"By knowingly attempting to collect or take action on a known time barred debt..."
Under section Sec. 1692g. Validation of debts, there is no set time limit for the creditor to respond to your request.
Being as the debt is beyond your states SOL, they will in now doubt forget about it and ignore your request.
Most collections agencies purchase "time barred" debts for as little as a penny or less per dollar owed. So they will not want to spend money or time trying to collect this.
If they are showing on your credit report, send copies of your letter to all three CRA's via certified mail/return receipt. The CRA's will then have 30 days to validate the debt. If the creditor can not validate the debt. the CRA's as required by the FCRA will remove the item from your report and send you notice of such action, along with a current credit report.
This collection agency violated the FDCPA (Sec. 1692e. False or misleading representations) by knowingly attempting to collect or take action on a known time barred debt. You could include this fact when you send dispute notice to the CRA's
I would give them 30 days to respond, if they do not respond with all the information as required by the FDCPA, then go ahead and dispute it with the CRA's
Hope this answer is of help to you
LEGAL DISCLAIMER: The answer provided here is intended for informational purposes only. It is not intended nor presumed to be legal counsel or professional legal advice
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