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Question
My girlfriend has recently moved back to the USA after over 15 years in her native Mexico.
She has recently received correspondence from a collections agency regarding a bill from over 15 years ago.
This bill was supposed to be paid by her then boyfriend, but she does not know if it was paid or not.
She is not making much money, and this bill would have a significant negative impact on her financial position at this time.
How should she proceed?
Charles:
To be candid, the bill is far past the statute of limitations in terms of judicial enforcement and it is too old to be reported on her credit reports. My advice is too ignore it.
Apex Credit Services, LLC
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Apex Credit Services, LLC
Expertise
Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
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Flagstar Bank
Chase Bank
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Flagstar Bank
Chase Bank
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