Q: I got a call from a collection agency saying I owed for a check loan from back in 2013.
I do not remember ever doing one with them and said it was turned over to collections in 2019. They said it is for over $900 and if i do not pay it they will have me served and i will have to go to court and it will be well over $4000 then. I tried looking company that called up online with no success and even looked on BBB. I do not know to pay this considering i do not know if it is legit or not.
A: You might ask the collection outfit to send you a copy of your alleged check loan. SOL on worthless check criminal charge has passed. If you ever acknowledged the debt, then 6 year SOL for suing starts then. If sued, make a sworn denial to be filed at Court and served. You will need an attorney, and might need to file a Notice of Exempt Property.
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