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Question
QUESTION: 1. Is it true that bill collectors cannot call you after 7 years is up for a bill collection?
2. Am I responsible for an old cell phone bill that my husband did not pay (due to being overcharged) before we got married?
Thanks.
ANSWER: Rachel:
No, that is untrue. Seven years is the reporting limit prescribed by the FCRA. A debt collector can call you about a debt much older unless you notify them in writing not to do so inasmuch as it is inconvienent.
No, you are not responsible for a debt incurred by your husband before you married him (some community property states may vary but, this is the general rule of applicability).
Jason Wade Barnette
Barnette Law Offices, LLC
http://www.barnettelawoffices.com
1-615-585-3885
---------- FOLLOW-UP ----------
QUESTION: Thanks for your great answers.
Is is true that the statute of limitations on a cell phone debt is 3 years?
Rachel:
No, that would depend on the state in which live and if different, the state where the debt was incurred.
Jason Barnette
Barnette Law Offices, LLC
http://www.barnettelawoffices.com
1-615-585-3885
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Answers by Expert:
Barnette Law Offices, LLC
Expertise
Barnette Law Offices, LLC can answer questions relating to credit reporting inaccuracies, debt collection abuse, and bankruptcy issues. No portion of any of our communications shall be construed to form an attorney-client relationship. We only represent residents of Tennessee.
Experience
Jason Barnette is a licensed attorney in the state of Tennessee admitted before the Tennessee Supreme Court. He is the founder of Barnette Law Offices, LLC in Nashville, Tennessee. Barnette Law Offices, LLC is one a the very few Tennessee law firms which handles cases arising under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Tennessee Consumer Protection Act.
Organizations
National Association of Consumer Attorney's (pending)
Education/Credentials
Appalachian School of Law - Juris Doctor
Licensed Attorney - Tenneessee Supreme Court
Past/Present Clients
J.P. Morgan Chase, Countrywide
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