Suttell & Hammer,P.S.
Date: Wed, 08/08/2018 - 21:43
Suttell & Hammer,P.S.
You said the account is
You said the account is nearly 10 years old, right? What is the last payment date, can you recall the exact year? Statute of limitations for debt collection in Washington is 6 years. So, after that your debts can't be collected as per the law.
Did they call you for the
Did they call you for the debt? Did you acknowledge the debt over the phone? If the debt is 10 years old, then the SOL is over. They can't collect the debt unless you acknowledge it.
They can still try collect
They can still try collect the debt. But you have to inform the court that the debt is time barred. You should also give a reply to summons within 21 days. Don't ignore the court papers since your niece has already received it.
Wage garnishment means a
Wage garnishment means a judgment has already been rendered against you by the court. You need to contact the court to find out if there is, in fact, a judgment in your name. If there is, you should go to the courthouse and look in the file to determine if you were properly served.
If you were not properly served, depending upon the details, you might have an FDCPA claim against the plaintiff.