Re: NJ Statute of limitations FDCPA violated by debt collect

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The statute of limitations begins to run from the date of
the last payment you made (in 2003?). And they didn't
just "add on" $10,000. Interest at the original rate stated
in the original contract has continued to accrue. That
could easily double or triple the original amount of the
debt.

FYI--there isn't a "court date" set because the suit was
filed in a real court (not small claims) and you will have
to file a formal response within the prescribed time or you
will be defaulted. In fact, you probably already have been.

On 7/20/06, Eric wrote:
> I brought an automobile in Oklahoma in July 1996. It got
> reposessed in early 1997 I believe. In 1993 I tried to
> settle the debt for a reduced amount, but then I lost my
> job and couldnt finish paying.
>
> 30 days ago I recieved a summons to NJ supreme court with
> no court date. It said I owed $5,566.01 and included
> attorneys fee of $606.60 for a total of $6,172.61.
>
> A few days ago I recieved letter from the debt collectors
> that filed the suit saying I owe $16,609.38 and to call
> their claims adjuster to make arrangements to pay.
>
> First of all isnt their past the statute of limitations
> and therefore I cannot be sued to collect the debt?
>
> Also how do they add $10,000 out of nowhere to the case?
>
> Also how do I go about letting them know they violated
> FDCPA (if they have done so)?
>
>