Jeff Suher is a Pittsburgh attorney dedicated to protecting consumers against the unfair practices of debt collectors and the lenders and creditors that retain them.  Jeff makes a positive difference in the lives of clients facing collection agencies hounding them for debt related to student loans, mortgage loans, car loans, state and federal taxes, consumer credit cards.  If you are struggling with a collection agency, contact Jeff for legal help today.

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Fair Debt Collection Practices Act for Pennsylvania Consumers

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Jeff's Blog

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Fair Debt Collection Practices Act for Pennsylvania Consumers

5/6/2008
Jeff Suher
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What can I do to stop debt collection calls about OLD DEBT

Are you a Pittsburgh consumer receiving harassing phone calls from debt collectors trying to collect an old debt that is 5, 10, or even 15 years old?  Are you wandering what to do with these phone calls?  Are you wandering if you should just pay the debt to clear your name?  

Well, you no longer have to worry or wander about old debt.  The only thing you need to know is DON"T PAY THE DEBT COLLECTOR!!  Here's why:

*  Debt collectors buy very old debt for sometimes less than pennies on the dollar.  Collectors are trying to get paid from your old mistakes.  Most debt collectors don't get paid unless you pay them!  

*  In Pennsylvania, there is a statute of limitations for delinquent debt.  In most circumstances such as written contracts, oral contracts and promissory notes it is 4 years.  This means that a debt collector cannot sue you to get the money after the debt has been in default for more than 4 years.  

This also means that the debt collector will be in violation of the FDCPA if it even threatens to take you to court.  However,  the debt collector is permitted to call and ask you for the money to pay off the debt.

*  Also, keep in mind that after 7 years, the debt is no longer listed on your credit report.  

Therefore, be smart, check your credit report every year.  Start fighting back against abusive debt collectors.  If the debt collector tried to repost or lie about the date a debt went delinquent, contact Jeff.





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