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a former creditor has been calling me about an old bill. I have not received any communication from them for nearly 2 years. Not sure what my right are. They are sending me letters with no backup as to what makes up the charges. Not sure what my rights are.
Optional Information: State/Country relating to question: North Carolina Already Tried: Told them I would not pay anything without any back and that I have not heard anything from them in two years not sure I will do anything.
Thanks for the chance to help. I am an attorney with over 12 years experience. Hopefully I can help you with your legal question.The statute of limitations on debt in NC is 3 years. So if your last payment was over 3 years ago, they are past the statute of limitations and would not be able to force you to pay.If your last payment was less than 3 years ago, they can file suit and ask a court to order you pay.So it will depend on how long ago was your last payment was made if this debt is barred by the statute of limitations.
Experience: 12 Years of experience in the law