Hello. I opened a bank checking account in June 2006. I went through financial problems as well as debt because of my financial problems. But I've contacted a debt settlement lawyer three years ago because I got a job where it requires you to not be in debt im order to have employment with them. Successfully I've paid off 4 creditors and currently still paying my last one. But this bank is my last one. I totally forgot about it because it doesnt show up on my credit report. They've called me in August 2013. They called my Dad, mother in law, sisters, and husband. I don't know how they got all their phone numbers but they said theyre serving me papers and I gave them my current address. I told them i have a lawyer and to send anything else to him.But I havent received anything. Now they called again a few days ago and I told them I don't know why your calling again. I told you to talk to my lawyer but they said my lawyer said the account is invalid. So when I asked my lawyer what that meant and he told me because its pass the 7 years to sue me. So I could pay or not. But they just can't sue me anymore. I just don't want them harrassing me if I choose not to pay. Which I'm leaning towards not to since I cant be sued for it. But is it from the day it opened or day it defaulted. Hope you can help me. Thank you!
1 Answer from Attorneys
Why aren't you asking these questions of your debt settlement lawyer? He knows the facts better than we do.