About John Hall Expertise 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.
Experience 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.
Question I live in Ohio. I have a credit card debt that I incurred in the early 90's. I was unable to pay, so the debt was charged off. It has since been removed from my credit report per the 7 year statute of limitations.
I recently received a Summons from an Attorney representing the Debt Collection Agency. I served them a Validation letter as well as the Court. I have since been given a notice of a Pre-Trial and no response to the Validation letter that I sent the Attorney.
The issue I am having is that I cannot afford a lawyer. I am forced to do this on my own.
I believe that this debt is past the SOL and am researching to back this up. In my research I am getting conflicting answers as to what the actual Statute of Limitations on credit card debt is in the State of Ohio. Some sites say 4 yrs., some 6yrs. and others give no info. Most of the debt collection agencies list either 4 or 6 yrs. on their websites, but I have nothing confirmed and no Statutes to back this up....please help!!
Answer Chase:
There is a good reason why the statutes dealing with SOL are ambigus, or at least appear to be so. As far as the attorney issue, that can be dealt with and there just may be a silver lining in your not being able to immediately get a straight answer in your attempts to defend yourself. Depending on facts that you do not state in your question, there is a good chance taht you might be able to put this behind you at minimal expense without having to go through all of this process in the state courts delaing with SOL issues, whatever they may be. Cal me on my cell if you like and I can explain a heck of a lot better on the telephone. I will not charge you just to talk ont he -phone. My cell is 661 492-2673 Call me if you like.
