Legal Question in Credit and Debt Law in New York

Re: statue of limitation on consumer debt

The Statute of Limitation on debt collection lawsuit is typically 6 years. The 6 years is counted from your last payment.

You will need to file an answer to the lawsuit listing the statute of limitation as one of your defenses.

If this is a consmer debt, and the debt is over the statute of limitations, you have cause of action against them under the "Fair Debt Collections Practices Act".

We represent consumers in both types of lawsuits on Long Island, and in New York City. If you would like some assistance or have any other questions, please send me an email. [email protected]