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Your welcome and you are right. There is much conflicting information on the internet about this subject and no real case law that I can find about it.
If it is true that credit cards are not written contracts, the collection agent's attorneys dismiss the contested cases to keep it from being...
OHIO STATUTE OF LIMITATIONS
AND CC EXCLUSION FROM WRITTEN CONTRACTS
§ 2305.09 Four years; certain torts.
Text of Statute
An action for any of the following causes shall be brought within four years after the cause thereof accrued:
(D) For an injury to the rights of the plaintiff not...
Ok, for $1900 you might have some leverage if there are actual violations. If this is the original creditor you won't have any FDCPA claims, but you may have some FCRA (Fair Credit Reporting Act) violations.
Look at www.naca.net for a consumer protection attorney in your area, click on details...
You have a long way to go to be past the SOL in Tn to be free from legal liability. How much is the debt for? If it is a substantial amount I doubt a threat of lawsuit will deter them from filing, especially since the violations were against him and not you so you will not have a countersuit. He...
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