Have Legal Questions? Ask a Lawyer Now.
Thank you for your question today, I look forward to assisting you. I bring nearly 20 years of legal experience in various disciplines.Well, Arizona law may or may not be the law that applies. It depends on the type of debt and whether or not their was a contract signed on the debt which might have had a "choice of law" clause in it, applying a different state's laws. Furthermore, the statute of limitations runs from the last time the debt was affirmed, which could be the last time a payment was made or even promised. This is how they sometimes revive a debt after the statute of limitations has passed. Don't make any promises to them.Just things to consider.In Arizona, on an open account or oral contract, the statute of limitations is three years. On a written contract, the statute of limitations is 6 years.
If I dispute this, can I tell them that the status of limitations are up?
If this is from 2004, I should not have to pay this correct?
How are they allowed to collect on something from 9 years ago?
So I need to reply to their collection notice and advise them "Not to contact me again" Is this admitting that I owed the debt in anyway?
Do I need to reply to their collection notice?
In their letter it states that unless you notify this office within 30 days after receiving ths notice tht you dspute the validity of this debt or any portion thereof, this office will assume this debe is valid. How can they assume this debt is valid if I don't reply to them?
In my best interest I should respond to their letter with "do not contact me again. Sue me if you want this money."
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).