If you signed as a joint user, then credit card company would still come after because the Chapter 7, I am assuming that is the Chapter that he filed under would not protect you. It protects only him. In any event, the Statute of Limitations has run on the debt and you are no longer obligated to pay it:
Tennessee Collection of Debt on Account/Open Account: 6 years. See Tennessee Code Section 28-3-109
Florida Collection of Debt on Account/Open Account: 4 years See Florida Statute Section 95.11(3)(p).
The Statute of Limitations on debts does not prevent a collection agency from reporting or trying to collect a debt that is past the Statute of Limitations. The Statute of Limitations (SOL) only applies to the time the collector has to file a lawsuit on the debt. The collectors/creditors can still call you for the debts or send you communications. However, without a threat of lawsuit, they cannot really do anything to you. You do not pay the debts if the SOL has run.
You can call the collector and tell them to stop calling you and that you do not have any intention of paying a debt that is past the Statute of Limitations. Also, send the collector a cease and desist letter to stop contacting you because the Statute of Limitations on the debt has run. After you call and send them this letter, they are not supposed to contact you. If they do, they will be in violation of Fair Debt Collection Practices Act and you can file suit in the federal district court in your area against the collector.
Click here for more information on FDCPA and your rights as a consumer.http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
Or you can just ignore the phone calls or letters.
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