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Thank you for your question.To answer your question directly, yes, they have the ability to pursue you. Generally speaking US law permits a debt holder to file suit against anyone who is a resident in the state provided that the debt was legitimately incurred by that individual. The US collection agency, by filing in court, would place themselves under local jurisdiction, as would you be by the simple virtue of residing here long enough. It would then be irrelevant where the debt was obtained, simply whether or not it is collectible in your state since the collection attorneys would have to use local law to attempt to obtain a judgment. That means that if you reside in California, even if the original contract was in Singapore, California law would be used if the original legal conditions were somehow contrary to local law.California permits them to pursue you for late fees, court costs, and do so via a wage garnishment, a bank levy, or a potential lien against your other, local assets. If you had a contract, the statute of limitations on debt in California is 4 years but it starts running from your last date of activity on the account (be it a charge or a payment). If you are within that 4 year statute, they could pursue you in court for the debt.Good luck.
Thank you for your follow-up.You really have 3 options remaining. If the debt is very large, you may want to investigate the option of bankruptcy. That would avoid the debt, but only consider that if the debt is completely untenable. The second option is negotiation and a potential payment plan or a sump sum settlement option in exchange of them dropping the case. Third, you can simply do nothing and try to wait them out. I cannot tell you which option is best for you, but they are all possible.Good luck.
Ben,If you wait it out, they lose the ability to sue you in California. They may still have the ability to sue you in other states if you end up moving. The debt may still be valid overseas based on local law, but at least in California you would be safe from collections.Good luck!
Ben,They would not be able to sue you in California if this debt goes beyond 4 years. California laws would not let them. But if you move to Texas that has a 6 year statute, they could pursue you there if this is in year 5 of the debt (as an example). Every state in the US has different statutes of limitations, so if you wait out the debt in one, that state's law would give you a defense to collections. But not other states.Good luck.
Ben,They would have to sue first and obtain a judgment. They cannot simply make collections without a court order.Good luck and kindly rate my answers to you at this time so I may obtain credit for assisting you. Thank you.
My apologies, Ben, but this question is far beyond the scope of your original question, which asked what options they may have against your and whether they have a right to pursue you. I believe I answered those questions in great detail. For this question, which is an even more detailed question than the original request I would ask that you post an additional thread and I would be happy to assist you. While I can respond to direct follow-up concerns and clarifications, if a question is out of scope I am bound by site rules to request that you post it as a separate request.Good luck.
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