Depending on the type of debt, the SOL appears to be 3, 4 or 6 years in Delaware. See the link above.
This is an insurance policy from 2005 ending spring of 2006; it was a business policy for automotive and liability insurance. I cannot tell by looking at the link you provided were this falls in the statute of limitations.
MOst likely this is a debt under a written contract so the SOL would be three years. However, I have a question, how do you owe money on an insurance policy? I thought you had to pre-pay for the insurance coverage for the next term or else the insurance policy gets cancelled for non -payment..; so how did you incur a debt in this case?
I would send them a certified letter stating that the statute of limitations has expired on the debt as per the link I gave you and that if for some reason they still believe that you owe they money they need to send you in writing legal authority supporting their position. Further that if you do not receive a written response from them in this regard with in 30 days, you will consider any further attempts to collect the debt to be harrassment and seek legal recourse under the Fair Debt Collections Practices Act and/or other legal remedies as may be provided for under law and equity.
Please click "Accept" so that I can get credit for this answer. We can continue our conversation after that at no additional charge.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).