	AllExperts > Collections Law
	Search

About Regan Shinski
Expertise
I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit credit reporting.

Experience
Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA University of Minnesota

You are here: Experts > Business > Corporate Law > Collections Law > old medical debts

Collections Law - old medical debts

Expert: Regan Shinski - 11/4/2009

Question
My new wife and I just discovered some old medical debts from 2002 on her credit report. After all this time are we still liable for these debts? They had been turned over to a collection company back at that time. We live in Idaho and these debts were incurred here.

Answer
Hi Shawn:

You are likely not responsible for these because they are likely beyond Idaho's statute of limitations (SOL). The SOL is five years on written agreements, which this likely is.

There are some exceptions. If a judgement is in place, it is five years from the judgement date, but it can be renewed indefinitely. If she made payments, she MAY have restarted the SOL or tolled it. Tolling is basically pausing the SOL. Restarting and tolling from only making a partial payment are not common. They depend on the how the agreement is structured. If she moved out of state, was out of the country, or medically incapacitated the SOL could be tolled.

Again, if this is just a medical bill from 2002 and NOTHING has happened since, it is likely out of the SOL and she is not responsible to pay it. you should send a dispute letter directly to the three major credit bureaus - Experian, Equifax, and Transunion - disputing the accounts as obsolete. They may be deleted from that. If not, they should fall off seven years from the date of medical treatment.

Good luck, I hope this helps.

Regan

mbscompany@aim.com
813-454-1459

Add to this Answer Ask a Question