Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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The civil statute of limitations for open accounts like credit card debt in Puerto Rico is only 3 years. On a written contract it is 15 years. So if you are sued you can have it dismissed based on the SOL. However, if you included the debt in the bankruptcy, then is would have been discharged along with any other debts.
So in any situation, unless you have made a payment on it within the last 3 years, the debt is uncollectible.
No, since this is well over the statute of limitations (SOL), you can simply ignore them. If they tried to actually file suit, you would have to file an Answer stating the affirmative defense that the SOL has run and the case would be dismissed.
But they know that it is past the SOL and are just "fishing" to see if they can scare you into paying them something.
No, as I mentioned above, since this is well over the statute of limitations (SOL), you can simply ignore them.