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No, regardless of the state of residency, the SOL for a lawsuit would have expired by now. This does not mean that another collection agency could not renew collection attempts at some future time, but they would not be able to employ a legal "cure and remand" process.

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โˆ™ 2005-09-16 19:14:30
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Q: You owe 600 dollars on a credit card charge off from 11 years ago its off your credit report by now but could you be sued for this small amount of debt?
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Related questions

Is there a dollar amount for collection agency's to report to the credit bureau?

A collection agency can report you to the credit bureau for any amount of money. There are agencies that will report for amounts under a hundred dollars.


If you file bankruptcy will that remove a charge off report from a credit card?

Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


Why is a charge off so bad on a credit report?

A charge off is a term that refers to an amount of debt that is unlikely to be paid back. A charge off is then listed on a person's credit report and also on credit bureau reports. A charge off is a bad thing to have because it can make obtaining credit, either secured or unsecured, much more difficult.


How long do charge offs stay on your credit report?

Charge offs will stay on your credit report for 3 to 7 years


How do you remove charge offs credit report?

Dispute them with the credit bureaus.


Is there still a past due amount on your credit report after foreclosure?

The foreclosure will be on your credit report indefinitely.


What is a Charge-off in a credit report?

A charged off account is similar to a collection on your credit report. The creditor has written off the debt owed and closed the account. The debt is still valid though and can be collected on. The charge off will lower your credit score unless removed. You can dispute a charge off and this give the credit bureaus 30 days to verify the charge off or it must be removed from your credit report.


Is it legal for a credit union to report you to ChexSystems for owing them pennies?

I think it has to be over a certain amount, I beleave it has to be over $50 dollars


Is it correct for the loan amount of a foreclosed property to appear on a credit report?

what ever the balance was at the time of foreclosure will report on your credit report


When is a charge off removed?

A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.


What does HC mean on a credit report?

HC on a credit report means High Credit. This is the highest amount of money a creditor has issued to you in the past.


If unpaid medical is not on your credit report can they charge you for it after the fact?

Yes. Some institutions/businesses do not report to credit bureaus. The debt not being placed on a credit report does not mean it is not completely valid and collectible.


Can a creditor remove a charge off?

Yes, a creditor can remove a charge off from your account and your credit reports. Credit bureaus can also delete charge offs from your credit report if they are disputed and not verified.


How does one go about doing a credit report search?

There are thousands of companies on-line who will provide you with your own credit report. The fee they charge will vary.


How do you remove charge offs from a credit report?

Charge-offs remain on your credit report for 7 years. If the account has been included in a bankruptcy, it should be marked as such...."included in bankruptcy". However, according to the Fair Credit Reporting Act, if you dispute the charge-off with the credit bureau and the creditor can not verify the account, it must be removed from your credit report immediately. Only the original creditor or the credit bureaus can remove a charge off, either through negotiations or through the dispute process.


How will a repossession affect your credit report?

A repossession is a significant derogatory mark against your credit. The account appear with a similar status as any collection or charge off account. In repossession, the collateral is often re-sold with the amount received being applied against any remaining amount owing on your loan. If the collateral is sold for less than what you owed, the amount left over, called a "deficiency balance" is still your debt. The creditor can actively collect on this, report it on your credit report and sue you to recover the amount.


How can I get a detailed credit report?

By doing a credit report. They will give you a report and show every factor that hurts or helps your credit score. Be careful that you only sign up for a free one becuase they will charge you everytime after.


How many points on credit report is taken by a charge off?

A charge-off can hurt your credit score anywhere from 20-120 points.


How do charge offs affect your credit?

Charge offs will drastically lower your credit score, just like any negative item similar to collections, judgments, and liens. They will stay on your credit report for 7 years unless removed. The more money owed and the more recent the charge off the more it will lower your credit score. You can remove charge offs by disputing them to the credit bureaus. The credit bureaus have 30 days to verify the charge off or it must be removed from your credit report.


Can a creditor report you to the credit bureau for 150?

Yes, they can report you for any amount they are owed.


Where can I access my annual credit report for free online?

The only totally free way to access your credit report is to request it from the credit bureau. You're entitled to one free report per year. Many online services will access your report, but will charge you..


Does a bank account charge off go on your credit report?

Yes, any charge off goes on.


Is there a charge to find out someone's Equifax credit report?

Everyone is entitled to one free credit report each year. Once you sign up and create your own account, you will have the ability to check your credit report for 90 days.


What is the site you can get credit report?

In the United States, you are entitled to one free credit report each year from each credit reporting agency. There are three major credit reporting agencies and they have set up a site to assist you in obtaining your free annual credit report. It is annualcreditreport.com. This is the only website where you can get your credit report for free. Any other website will charge you money.


How bad do charge offs hurt your credit report?

IT CAN HURT YOUR CREDIT DRAMATICALLY! CALL YOUR CREDITOR AND ASK TO PAY THIS CHARGE OFF IMMEDIATLY WHEN YOU ARE ABLE TO FINANCIALLY.