Out of State Debt, Questions

[TeddyKGB3]

I have a credit card debt of approx $1400 from 2002. I currently live in Minnesota, but credit card was applied for, used, and account closed while I was a resident of Nevada where the SOL is 4 years. In Minnesota the SOL is 6 years. As I am in the middle of these 2 SOL's, which one has jurisdiction, NV or MN? If I am sued in a MN court, does the NV SOL matter? Also, a new Collector has recently contacted me about this debt and is threatening to sue, they have since entered a mark on my credit report for a debt of $2800 with 0 paid. Can they enter this debt on my report legally even though the original debtor is still listed and the SOL has "run out"?

I am considering a debt consolidation company but they told me they will bring the accounts back to "current" status starting the 7 yr clock over again. I am very confused to if there is any benefit to that as the marks will be gone in less than 2 1/2 years.

All help will certainly be appreciated!

Thank You

 

[2BInspired]

Did anyone help

Did you ever get an answer? I'm in the exact same situation but my debt occured in KY with an SOL of 15 years and I have resided in California for 3 years.

 

[upforgrabs]

i suggest that you declare identity theft and never cross state lines again.

i would also suugest that you contact the big 3 credit companies and tell them that if they don't clear your name, you will......oh i don't know.

contact an attorney immediately.

thanks,
upforgrabs
posts are opinion only and have no legal meaning whatsoever