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bballgirlheather42

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how much can they sue you for and also from what day do you start the 6 years from?
the state of Michigan has a law you have six years to take a person to court so what is they date they go by the charge off date

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It goes by the date of the last payment or the last attempt to contact you about the debt. You can be sued for the full past due amount as well as interest and fees associated with taking you to court. Everyone I know who's been sued for credit issues has lost and had their wages garnished, so be cautious.

Request a debt  verification letter in writing from the collector you recieved the threat from. Send the request in writing (look up sample letters on google) and send it certified mail. If they don't respond within a certain amount of time then your case could be thrown out and you can dispute the record on your report.

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