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The statute of limitations for a breach of contract case is 5 years under Missouri Stat., Section(###) ###-####/a>. That refers to the amount of time they have to repossess the car or file a lawsuit for any remaining balance after the car is sold at auction. Once the company gets a judgment against someone, they have ten years to collect it. Section(###) ###-####/a>. A judgment can be renewed for another ten years.
If they're trying to get money from you now, call the local courthouse when they open to see if there's a case with your name on it. Find out when it was filed, what happened, and if the plaintiff ever renewed any judgment obtained.
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