Secure Debt Shall Forget The Day In Phoenix
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Debt Collection Statute of Limitations by State StateWritten ContractPromissory Notes California 4 years 4 years Colorado 3 (6 most debts; rent) (2 tortious breach) 6 years Connecticut 6 years 6 years Delaware 3 years 3 years47 more rows •
Phoenix Financial Services is a debt collector reporting a collection account on your credit report. Phoenix Financial Services either purchased the debt from the original creditor or has been hired by the original creditor to service the debt.
Statutes of Limitations for Each State (In Number of Years) StateWritten contractsOpen-ended accounts (including credit cards) Arizona 6 6 Arkansas 5 5 California 4 4 Colorado 6 647 more rows
When it comes to credit card debt relief, it's important to dispel a common misconception: There are no government-sponsored programs specifically designed to eliminate credit card debt. So, you should be wary of any offers claiming to represent such government initiatives, as they may be misleading or fraudulent.
Most states or jurisdictions have statutes of limitations between three and six years for debts, but some may be longer. This may also vary depending, for instance, on the: Type of debt.
Fair Debt Collection Practices Act (FDCPA) § 1692-1692p). Third-party debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices while collecting these debts. Under the FDCPA, third-party debt collectors: may contact a person only between a.m. and p.m. at home or work.
Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.
During the call you should never say it's your debt, your account, that you ever had an account, and any other personal financial information. Don't lie if they ask you point-blank questions; just don't answer them by reiterating the first paragraph... several times if necessary.
Prepare your response, which is called an "Answer." In your Answer, you must address each allegation in the complaint and state your defenses. You can find templates for Answers online or at the court clerk's office. 4. File your Answer with the court by the deadline stated in the summons.
