is there a statue of limitations on credit bills

[JackieJackson]

is there a statue of limitations on credit bills ex: there use to be a fitness club called Scandinavians my daughter turned 18 and joined in 1993 she then showed great interest in joining the armed forces a gentlemen from the club came to our house and stated this membership could be voided due to her decision to go to the air force he also stated she was canceling within 3 days of signing and in the state of Ohio that was a law they would have to follow and let her resign from her contract, well she did not join the air force she graduated from high school and entered the work force, years passed and then one day at our address which she no longer lives at and has not lived at in many years a collection came for some ridiculous amount of money stating she never paid for her membership she called explained her situation they replied ok we will look into it, now 15 years later they are still calling our home even though we tell them she does not live here as well as send letters which we have returned to sender more than once, as you can see this is nightmare for her credit world and a night mare for us every time they call or send letters, we will not give her current address or phone number I know it?s not our business but for sure it?s not our job to do there?s in locating her.

[chuckex]

Yes, there is a statute of limitations for all types debts. It varies by agreement type and also varies by state to state. The contract your daughter signed is likely a installment agreement and would fall under a installment contract. The chart on this page http://www.expert-credit-advice.com/sta ... ations.htm will help you find out if the statute has passed. The date would begin on either her last payment or date of last activity (when she signed it). This is very common problem for many people. The best way to stop this problem is to notify the debt collector (in writing) that the debt is time barred and that you demand they cease and desist collection activity.

Here is a free downloadable cease and desist letter: http://www.expert-credit-advice.com/Let ... tter16.htm