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Law Tutor, Esq
Law Tutor, Esq, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 165
Experience:  N/A
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Question about a debt collection

Customer Question

question about a debt collection
Submitted: 9 months ago.
Category: Consumer Protection Law
Expert:  Law Tutor, Esq replied 9 months ago.

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Expert:  Law Tutor, Esq replied 9 months ago.

You have indicated that the debt was from 1992 in Kansas. However, you are not sure what kind of debt this is nor do you know what it is for. Regardless, that is more that 24 years old and the statute of limitations expired long ago. You count from the time that the account was charged off or when you stopped paying (I know that you don't have this information). But chances are, if you don't remember this debt, it was from long ago and charged off some time ago. The statute of limitations in Kansas is:

Written agreement, contract or promise: 5 years.

Expressed or implied but not written contracts, obligations or liabilities: 3 years.

You may want to write a letter to the creditor/collection agency and let them know that you are not aware of this debt and even if you were they are violating the statute of limitations by trying to collect. I hope this helps.

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