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csolis1985

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how long can creditor come after my overdrawn bank account
I had a Wells Fargo accounts years ago, i want to say back in 2007. I lost my job, made some purchases and boom, overdraft fees, interest and who knows what else they added on. I seriously thought it was $500 max. But i ended up getting letters claiming i owe $2,361.00... Anyway i received a letter in the mail 3 weeks ago stating the following: a judgment has been entered against you in the above reference account. this office has been authorized to use all legal means available to collect this outstanding judgment, including and not limited to, wage garnishment, bank levy, store keepers, and liens on real or personal property...


the letter came from the law offices of Robert J. Colclough III 8550 BALBOA BLVD SUITE 232 NORTHRIDGE CA 91325.

IS THIS LEGAL AFTER SO MANY YEARS? Please help!

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Top Contributor
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A Judgment??

Is there an actual CASE # listed?    A judgment means that there was a court date.  Did you show up?  If you were served papers and didn't show up, a default judgment was entered against you.   Judgments can be renewed indefinitely (meaning it will never leave your credit report until 7 years after paid in full).  

Call the court (likely county court) with the case # (if there is one).  Inquire about the letter you received, if no case number is present.  You want to see if there is actually a judgment or not.   If not, dispute the debt under Statute of Limitations if you can (some states are 3 or 4 years, some are 6 or 7 years, other states are longer).  

If you don't see a way out of this, you may want to fight the judgment in the first place (why you didn't appear, etc.).  Either way, it's lawyer time!!

Top Contributor

Reply by
SaveMefromDebt

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Oh, and based on the lawyers address I'd guess that you are in California?   If that's the case, you're statute of limitations is 4 years.

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