Legal Question in Credit and Debt Law in California

Unpaid Debt removal from Credit Report after Statute Limitations expire.

How can we personally remove unpaid debt from our Credit Reports that have exceeded the 4 year statute of limitations? Credit Card Debts, Unpaid Utility Closing Bills, Department Store Credit Card Debt, are examples of Debt I'm concerned with. Thank you for your time. CM


Asked on 1/03/06, 5:43 pm

2 Answers from Attorneys
H.M. Torrey The Law Offices of H.M. Torrey

Re: Unpaid Debt removal from Credit Report after Statute Limitations expire.

We can legally assist you in this matter, but would need more facts to ensure that the SOL deadline has in fact passed based on your last payment date. If you would like a free phone consultation, contact us directly.

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Answered on 1/03/06, 5:55 pm
JOHN GUERRINI THE GUERRINI LAW FIRM - COLLECTION LAWYERS

Re: Unpaid Debt removal from Credit Report after Statute Limitations expire.

Legally you cannot do what you seek. While a debt may be "uncollectible" on the basis that the statute of limitations has expired, a creditor may generally report it to credit bureaus for up to seven years after the date of last activity on the account.

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Answered on 1/03/06, 8:27 pm


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