Hi All~
I just found this forum and am wondering if someone can answer a question I have. Back in 1993, I was a single mother raising twin daughters. I had excellent credit and a great paying job before they were born. They were very sickly and I had to quit work to take care of them. Needless to say, I racked up quite a bit of credit card debt. My credit accounts were charged off and for at least 7 years couldn't get credit for a plug nickel. These accounts no longer show up on my credit report. My credit has since been restored.
Now, I received two notices from a "New Creditor" claiming I owe this back money.
Isn't there a statute of limitations on this? These accounts were charged off in 1993.
Now 13 years later, I get these notices? Does this constitute harrassment? I am presently on disability after two heart attacks and can no longer work. Will this start to show up on my credit report from this new Acquisitions Funding Company, which is located in New York?
TIA,
Debbie
I just found this forum and am wondering if someone can answer a question I have. Back in 1993, I was a single mother raising twin daughters. I had excellent credit and a great paying job before they were born. They were very sickly and I had to quit work to take care of them. Needless to say, I racked up quite a bit of credit card debt. My credit accounts were charged off and for at least 7 years couldn't get credit for a plug nickel. These accounts no longer show up on my credit report. My credit has since been restored.
Now, I received two notices from a "New Creditor" claiming I owe this back money.
Isn't there a statute of limitations on this? These accounts were charged off in 1993.
Now 13 years later, I get these notices? Does this constitute harrassment? I am presently on disability after two heart attacks and can no longer work. Will this start to show up on my credit report from this new Acquisitions Funding Company, which is located in New York?
TIA,
Debbie