Thank you for your response. It is a relief receiving expert confirmation of my research findings. I tend to "overthink" situations, and this is definitely one of them. I fear that they will find some loophole or claim that certain courses of action took place after the last payment in 2006 that would have restarted the clock on the debt. I know of no such agreement or settlement, however. This brings me back to the subject of perjury- I don't want to be charged with perjury if it turns out that the clock on the debt did restart for some reason. Does it seem as though I am in danger of that, or am I in danger of that?
Thank you, XXXXX XXXXX good to know. One more thing to ease my mind... I read that the statute of limitiations is different for closed-ended vs. open-ended accounts and that some creditors/collectors will classify an account as closed-ended to take advantage of the longer statute time. What's the liklihood that the creditor/colector in my case has done this, and if so, how would it affect me if I list the Affirmative Defense based on the six-year statute?
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).