Fair Debt Collection Act?

[Jen G]

How long does a debtor have to collect on a debt if they have failed to collect within a certain time? My husband was in Iraq in 2003 and we are just now getting a notice that a debt he charged while overseas is unpaid. Is this too long of a wait or are we liable? He does not recall the debt and does not have a record but its from a legitiment business. Please help. Thanks

[Bryan A]

in that notice they give you 30 days to challenge that debt. Send a letter asking them to validate the debt, including the original contract signed. Pull his credit to see if it is on the report. Most states have a SOL 6 years after the person became late. You first step needs to be that debs validation letter.. Make sure to send it by a certified letter. If the debt is over 2k you may what to have a attorney send that validation letter. It will cost you around 100 bucks, but if someone is playing a game its nice to have that person on your side. It happend to me before, getting my attorney involved was worth it.