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Defense Strategies
Statute of Limitations on Credit Card Debt in Illinois
Illinois's statute-of-limitations reference for ordinary debt is 5 years under 735 ILCS 5/13-205. The defense usually must be raised before default.
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Defense Strategies
Statute of Limitations on Credit Card Debt in Michigan
Michigan's statute-of-limitations reference for ordinary debt is 6 years under MCL § 600.5807(9). The defense usually must be raised before default.
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Defense Strategies
Statute of Limitations on Credit Card Debt in Minnesota
Minnesota's statute-of-limitations reference for ordinary debt is 6 years under Minn. Stat. § 541.053. The defense usually must be raised before default.
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Defense Strategies
Statute of Limitations on Credit Card Debt in Missouri
Missouri's statute-of-limitations reference for ordinary debt is 5 years under Mo. Rev. Stat. § 516.120. The defense usually must be raised before default.
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Defense Strategies
Statute of Limitations on Credit Card Debt in Ohio
Ohio's statute-of-limitations reference for ordinary debt is 6 years under Ohio Rev. Code § 2305.07. The defense usually must be raised before default.
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Defense Strategies
FDCPA: The Federal Law That Protects Debt Collection Defendants
The FDCPA limits abusive, deceptive, and unfair debt collection practices. In a lawsuit, FDCPA issues can create counterclaim leverage, but they do not replace responding before default.
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Defense Strategies
What Is the Statute of Limitations on Debt? A State-by-State Guide
The statute of limitations is the legal deadline for filing a debt lawsuit. This guide explains accrual, tolling, revival, and why you usually must raise the defense before default.
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Defense Strategies
What Is a Debt Buyer and How Are They Different from Your Original Creditor?
A debt buyer is not your original creditor. It bought a charged-off account and must prove it owns your specific account, the amount is right, and the lawsuit is timely.
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Defense Strategies
What Is a Default Judgment and How Do You Fight One?
A default judgment can happen when you miss a court deadline or hearing. It can turn an unproven debt claim into a collectible judgment with wage, bank, lien, and post-judgment risks.
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