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Expert: John Hall - 6/14/2006


Question
I bought vertical blinds back in September 2004.  I disputed the charges with my credit card company because when the blinds were installed some were missing their valences, others were too short or too narrow and most of all the company's label was showing on the outside.  The credit card compnay reversed my charges.  The blind company had to call me to get my correct address because they wrote it down wrong.  Stupid me, gave them my address.  I had attempted several times to get things fixed but they kept delaying and refused to removed their label showing on the outside.  I told them to come pick up their blinds of which they never did.  Now I have been contacted by a collection agency.  They don't have my correct address.  So what is the worse case scenario?  THe total is about $1300.  Doesn't the statute of limitations end 4 years from the purrchase date?  

Answer
bought vertical blinds back in September 2004.  I disputed the charges with my credit card company because when the blinds were installed some were missing their valences, others were too short or too narrow and most of all the company's label was showing on the outside.  The credit card compnay reversed my charges.  The blind company had to call me to get my correct address because they wrote it down wrong.  Stupid me, gave them my address.  

Don't be so hard on yourself.  They would have found out your address anyway.  At least this way you know what is going on.

I had attempted several times to get things fixed but they kept delaying and refused to removed their label showing on the outside.  I told them to come pick up their blinds of which they never did.  Now I have been contacted by a collection agency.  They don't have my correct address.  So what is the worse case scenario?  THe total is about $1300.  Doesn't the statute of limitations end 4 years from the purrchase date

The specic statute of limitaitons applicable to this situaiton depends on facts you don't state in your question.   

I have an idea how you can put a quick stop to this without having to pay anyhthing.  call me on my cell phone if you like and I can explain more easily on the telephone.  661  492-2673

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John Hall

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Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and 13 of the United States Bankruptcy Code) primarily representing individual debtors with consumer debt or small businesses; Experience has included all aspects of debtor/creditor relations.

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FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.

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