7 yrs.
Not sure when this was answered, but the answer appears to be inaccurate.
California Statutes of Limitation on Debt Collection:
Written agreements: 4 years, calculated from the date of breach.
Promissorynotes: 4 years
Open accounts [including credit cards]: 4 years
Oral agreements: 2 years.
The statute of limitation clock is stopped if the debtor makes a payment on the account after the expiration of the applicable limitations period. In some cases, the clock can also stop if you acknowledge ownership of a debt.
Only if they are licensed in another state and only if that state requires a license. If no license is required, any agency can collect there.
Yes if they are licensed to do so
Of course. If it's an unpaid debt, the collection agency owning the debt may try to collect it. And beware, they can track you down no matter what. However, they have to abide by certain rules, which are defined in the Fair Debt Collection Act.
The statue of limitations for collecting a debt varies from state to state, but it usually corresponds with the credit reporting rules which is 7 to 10 years. Collection agencies find ways around this though by reselling the account to other collection agencies, thus reaging it and starting the SOL over.
If they obtain a judgment against you, some state's houses are protected
if you do not owe it, they shouldn't be able to collect it anywhere. even if its past the deadline for you to contest the bill you should still try
A business can't garnish over another business, but if they hire a commercial collection agency to collect the debt, even then the agency can't garnish. When a business debt collection service goes to Court, the commercial debt collection agency can arrange a settlement to "force" the Court to garnish over the debtor. Collection Laws varies in every state
A Collection Agency that "owns your debt" can not garnish any wages. Assume that the collection agency in their efforts to collect the debt for their client, sues the debtor and then provoke that the Court works an arrangement to pay the debt, if the arrangement includes garnishment of wages then, the Court can garnish salaries. And there is laws to garnish wages that apply to every state.
No you can not
When you default on some debt, the original creditor writes it off. When they write it off, they usually sell it to collection agency. Since the collection agency bought it, it becomes theirs. If they try to collect and you don't pay, they can sue you. Learn your rights by reading up on the FDCPA.
How do you fight a collection agency on an out of state improper turn ticket from 14 years ago?
Assuming you mean "pay" instead of "pat," the answer is no. However, if the debt is yours - you can be sued for it. And if the collection agency wins, you can have your wages garnished or your checking account. Keep in mind that each state has a different statute of limitations (SOL) for debt, and collection agencies often try to collect on debt that is past the SOL. Once it is past the SOL, you cannot be sued for it.