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Hello, I enrolled in a course at National University in San Diego California in 2006 but never took the course because I married and moved out of state to Minnesota that same year. They now sent me to collections and the collection company is harassing me and its 2014. Can they try to make me pay and keep harassing me?

It would seem doubtful.  The statute of limitations on a contract claim in California is 4 years.  In Minnesota it is 6 years.  Either way, they are beyond the time for filing an action against you.  If you never made a payment after 2006, it should be barred.  I would write to the collection company, state that the debt is 8 years old and barred by the statute of limitations and see if they respond.  You can also demand that they stop harassing you.  If they continue to harass you, I can only recommend that you see an attorney if it's bad enough.  Good luck.

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Michael T. Hertz


I can answer most questions concerning bankruptcy, whether business or personal, including questions by debtors, creditors, persons interested in purchasing assets from bankruptcy estates, and the like. Also have expertise in tort law, French and Canadian law.


Practiced bankruptcy for 27 years in California and taught bankruptcy for three years in Maine. This included Chapters 7, 9, 11, 12 and 13 cases, representing debtors, creditors (secured and unsecured), bankruptcy trustees, creditors committees, and persons interested in purchasing assets from bankruptcies. Debtors included persons with virtually no money up to large corporations.

Inactive member of the Bar of the State of California. Nonpracticing member of the Bar of Massachusetts. Formerly member of the Maine Bar and conseil juridique in France. Certified by National Committee on Accreditation in Canada.

Georgetown Law Review; California Bankruptcy Journal; Maine Law Review; Dalhousie Law Journal; University of Toronto Law Journal.

Harvard Law School (J.D. 1970; cum laude) and Pomona College (B.A., 1967; cum laude)

Awards and Honors
Selected as a "Superlawyer" in 2005 and 2006 for Northern California.

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