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    NY Statute of limitations on debt judgement

    Jurisdiction / State: New York

    I was recently informed that I had a judgment placed on me back in 1999 regarding an unpaid department store charge account from the early 90's. I was sent a letter from an attorney's office stating that they were now handling the collections for this judgment and I should contact them to arrange payment. Which I did and they've agreed to settle for a much smaller amount than stated in the judgment.

    In New York State the statue of limitations for a judgment is 10 years. It's been 13 years, am I legally obligated to pay them anything?


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    Of course, not.

    Read your own post.

    This is one of a dozen "sweet" scams to easily, quickly, and slickly relieve you of your money.

    I wouldn't give these crooks the time of day.

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    phull67 (04-01-2011)

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    Not only should you not pay them, you should stop communicating with them.

    Get a copy of your own credit report and see if a judgment shows on there. It likely doesn't.

    Unless you like giving away your money, ignore these demands and stop negotiating with them.

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    Thanks guys!!

    The judgment definitely does NOT show up on my credit report, I've reviewed it 3 times in the past 2 years. And I will end all communications immediately.

    I'm so glad I thought to look up the statute of limitations on this today....I was literally a few hours from sending a bank check for $1200.

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    I emailed the office yesterday afternoon making them aware that I would not be paying and ending all future communications. They replied this morning telling me that judgments are enforceable in NYS for a period of twenty years according to CLSR.

    Anyone know I this is true? And if so does it mean I have to pay up or just that they can keep harassing me?

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    That was supposed to read CPLR.....brain fart

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    We advised you to cease all communications with these crooks. Why would you pull the tiger's tail?

    Can you find any evidence of a judgment? These crooks are lying. I wish you well.
    Last edited by army judge; 03-31-2011 at 05:24 PM.

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    If they have a judgment, yes, it can be enforced. It is unlikely they have one though. If they did they would be conducting themselves a bit differently and you would likely have known about it years ago. it sounds like they are using scare tactics to try and get you to give them all your hard earned money.

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    Thanks again!!

    All good advice

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    There definitely was a judgment, it dates back to 1999. They froze one of my bank accounts about 8 years ago for almost a year and then again about 6 years ago. I haven't heard anything since.

    But there is no judgment showing up on my credit report and given the fact that the statute of limitations was up almost 3 years ago....if the judgment hasn't been renewed, can they still enforce it?

    I've got a meeting with my attorney tomorrow, hopefully he can help.

    Thanks again guys!!

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    Now you're using your noggin.
    You're welcome.




    Quote Originally Posted by phull67 View Post
    There definitely was a judgment, it dates back to 1999. They froze one of my bank accounts about 8 years ago for almost a year and then again about 6 years ago. I haven't heard anything since.

    But there is no judgment showing up on my credit report and given the fact that the statute of limitations was up almost 3 years ago....if the judgment hasn't been renewed, can they still enforce it?

    I've got a meeting with my attorney tomorrow, hopefully he can help.

    Thanks again guys!!

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    New York State CPLR 211 - A money judgment is subject to collection for 20 years

    Not looking good for me...

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    Quote Originally Posted by phull67 View Post
    New York State CPLR 211 - A money judgment is subject to collection for 20 years

    Not looking good for me...

    Yes, but judgments must be renewed periodically. I don't know what that is in NY. Your mouthpiece will tell you on the morrow.


    Judgments that aren't renewed are useless.

    Until you know more, convert 95% of your bank accounts to cash.
    Last edited by army judge; 03-31-2011 at 05:58 PM.

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    thanks judge

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    SOL on a judgment in New York State is 10 years, then they have one year from the date of expiration to renew. FYI

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