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YES. Judgements are usually sold when the first SOL expires and a new CA starts all over.

NO THEY CANNOT come after you after 7 years UNLESS they began court action after about 6 years. Then they could take you to court but they must have begun litigation prior to the 7 year hold date.

All debts except for college loans, and criminal fines have a 7 year statute of limitations. College loans can be collected for the rest of the life of a person. Criminal fines I believe have a similar policy. All other debts and loans have a 7 year limit of being able to collect.

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โˆ™ 2015-07-16 19:32:55
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Q: If your car was repossessed seven years ago can the collection agency start coming after you now?
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Related Questions

If one collection agency fails to collect a medical bill and sell it to another agency how long will the bill stay on a credit report?

seven years

How long do unpaid credit cards stay on your credit report in NY state?

Technically seven to ten years. When a credit card goes into default it gets written off on the creditors taxes as a loss and gets sold to a collection agency for 10 to 20 percent of the original loss. Down the line it gets sold from collection agency to collection agency.

If a car was repossessed and the amount due was 15K dollars can a collection agency claim to be collecting the amount due plus interest seven years later?

IF the CA was assigned the debt by the lender, IF the CA bought the debt from the lender, most important, IF there was a judgment against the debtor. YES. 6 yrs of interest adds up. YES

Can a collection agency sue to collect an old debt?

If the debt has not been paid on in more than seven years than no. Otherwise yes.

If you had vehicle repossessed seven years ago and it has been turned over to a collection agency will the collection stay on your credit report until it is paid in full?

* The question is a little vague, however here's what I can say: IF, and it should have been, the repossession was first put on his credit report 7years ago then no. Any negative credit - excluding bankrupcy - by law must be taken off your credit report after 7years of its last active date (this is either when it was put on, or when you last paid it).

Does the Federal Consumer Credit Reporting Reform Act keep creditors from refreshing the debt after seven years by selling it to a collection agency?

NO. only the expiration of the SOL. Which is in almost all cases shorter than the seven year CR.

Will the collection agency on a repo ever stop harassing you?

By harrassing you, it can only be assumed that they are calling you multiple times per day. Or, that when they call you they are making outlandish threats against you, your family, and all of your personal safety. Or, that they are coming to your place of employment and pointing at you to identify that they are trying to collect a debt from you. Unless you can show evidence that this agency is in violation of the FDCPA, and your state's collection laws, then no. The contact will stop only after you have paid the debt off, or seven years from the date of your last payment (in this case probably the resale of the repossessed car) has passed, or in the event the lender sues you ten years have passed from the date of the judgment, or in the event the lender got an extension from the courts on the judgment tenty years from the original judgment date has ellapsed. Pay the outstanding amount that you contracted to pay, or keep getting phone calls.

Will a Collection agency or credit card company sue for debt 6 years later?

hello yes they can as i have just found out mine was seven years if the find you you cannot get away from it sorry

How long can a collection agency have an account for?

There is no time limit. They may "have" the account forever, but they may only collect on it for seven years from the date of last payment or ten years in the event of a judgment.

What is the time limit imposed on a collection agency to validate a debt?

If you legally incurred the debt then you are responsible for it until it is paid. A company other than the company to which you were originally indebted may purchase the rights to your debt and you are responsible for paying them. There is no time limit on that debt. A collection agency can legally pursue you until the debt is paid in full. However, there is a time limit on the negative consequences of not paying the debt. In most circumstances that limit is seven years. Seven years from the time you became delinquent with your original creditor. Whether or not your debt was purchased by a collection agency, it should not be reported on your credit report or affect your credit score after seven years. The only time the debt could reappear is if you take an action on it. For example: In 1997 you applied for and received a store credit card and charged $1000 in merchandise. You did not pay the bill and after their attempts to collect the debt fail, the store sells your debt to a collection agency in 1998. That agency sells your debt to another agency in 2000. In the meantime, you pay all your bills on time and have an otherwise spotless credit history. In 2004 your $1000 debt will no longer appear on your credit report and your credit score will be higher because the old debt is no longer figured in the calculation. The collection agency is not doing anything illegal by contacting you regarding your debt. But it is no longer affecting your credit rating. In 2007 you pay $500 toward the debt. Your credit report would reflect you have a $500 debt to the collection agency and your credit score would drop. I hope this answered your question.

How do you use the sentence he had?

He had seven cars, but the bank repossessed five of them. He had a cookie, but someone ate it.

When was The Singles Collection - Shed Seven album - created?

The Singles Collection - Shed Seven album - was created on 2008-01-14.

If a debt is reflected on your credit report by a collection agency can the original creditor recall their collection allowing you to dispute the debt with the credit bureaus and have it removed?


How long will a write off effect your credit report?

I believe you mean a charge off? If this is what you mean, it will stay on your report for seven years. But, if you are interested in understanding what to do once a charge off has taken place, and it is sold to a collection agency

Will unpaid student loan debt come off a person's credit after seven years?

IMO-most unpaid debts fall off the credit report after seven years FROM THE LAST PAYMENT!!! Ex-If you have not paid down a debt after six yrs then pay 1/3 of the debt yesterday, the 7 yrs begins again as of yesterday. IMO- I believe the 7 yrs may also begin again if the debt is sold to a collection agency because now you owe a different company therefore-new debt. It is illegal for a collection agency to change the date on a debt. It is not a new debt. Agencies that do that violate the fair debt collection practices act.

What is the seven letter word meaning a collection of treasure?


Why does the collection agency show on the credit report but not the original company?

It is there because they have purchased the account from the original creditor and are proceeding with their prescribed collection procedures. It is a legitimate entry on a credit report, and cannot be removed until the seven year expiration date. Even if the account is paid it will remain on the report marked as such, until the time limit expires.

Is Harry Potter a trilogy?

Harry Potter, being a collection of seven works, is a heptalogy. A trilogy is a collection of three works

How long does an unpaid long distance bill stay on your credit?

If the bill is turned over to a collection agency, it can remain on your credit for seven years from the date of last activity. ----------------------------------------- That is correct - 7 years. It can come off if you hire a credit attorney, though.

How long does a paid collection bill stay on your credit report?

Seven years.

How much is Snow White and the seven dwarfs in masterpiece collection worth?

According to, Snow White and the Seven DwarfsMasterpiece Collection VHS edition cost $1.23 plus $2.98 in shipping totaling $4.21.

The animal whose name figures in the English name of the saptarshi mandal?

In Hindu astronomy, Saptarshi Mandal, means the "Collection of seven stars" or "Collection of Seven Great Sages". Each star is named after a Hindu mythological sage.

What is an example sentence using the word seven?

There were seven singing sea creatures present at the underwater party.I have a collection of seven bicycles.Turn to channel seven, I want to watch the news.The show starts at seven o'clock.

When does the seven year mark to remove negative history from your credit report start?

It begins from the time a late payment was made or when the account is remanded to a collection agency. Some collection agencies will update the reporting status on an account, thereby keeping an account active and extending the expiration date. This is not legal and the consumer should always challenge any such activity shown on their CR and insist the data be corrected.

What is a seven-letter French word that means collection of documents?

un dossier