debt collectors

[pistolday]

can i ignore debt collecting agencies letters ..no matter what they threaten.... if my debts are over 6 years old & have not acknowledged the debts at all

[Eve]

Have you been chased for the debts within those 6 years?

[Postdog]

Just a radical idea, but how about paying your debts like most of us have to?

[Gmcd01]

If they haven't acknowledged the debt within 6 years, they cannot pursue you through the courts, but they can (and apparently will) try and get the money through debt recovery specialists. This all presumes that you haven't made yourself invisible to them within the 6 years, for example by moving and not informing the lenders.
If you haven't acknowledged the debt (i.e. ignored them) this isn't a bar to their recovery.

[pistolday]

jenna yes but never acknowledged them !!
postdog **** off you sanctimonious **** !!

[pistolday]

Gmcd01..are you ****** ??

[Hymie]

The six year rule (after which debts cannot be enforced), is six years during which time the finance company/debt collecting agency do not bother to chase you for the debt � not the period that you have managed to avoid repaying anything.

[pistolday]

hymie..not true!! statute of time states that if you have not acknowledged the debt then it can not be claimed through the courts ..all in all my question has not been answered !!!

[ChuckFickens]

lmao!

[pistolday]

total ******** !!

[pistolday]

postdog must be pistol knight !!! looool !! x

[daffy654]

I would love to see your face when you find out how wrong you are pistolday!!! PMSL :)

[Seadragon]

I think Jenna's right. As long as there has been no contact within those 6 years then you can rely on the limitation defence as time expired. But any contact and the 6 years start from that point.

[factor-fiction]

I'm not clear what you are saying when you say the debt has not been acknowledged? Are you saying that if you completely ignore debt demands and never acknowledge them then they will be written off? As long as they have been writing asking for the money then the debt is still a valid debt as I understand it.

A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account. Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt.

[factor-fiction]

Are you getting confused between you acknowledging the debt and them acknowledging the debt.
Can you show me a link which shows that a debt expires if you don't acknowledge it? Thanks

[ojread2]

A teeny bit of knowledge in the wring hands is such a dangerous tool