Q: Can a debt that is 10years old and dismissed in court still be legally submitted on your credit 10 years later?
Can a dental office in North Carolina still legally submit a claim to equifax or a collection agency on a balance that is from 2004, when small claims court dismissed their case on 2.4.2014, because it is beyond the 3 year statute of limitations?
A: You ask 2 questions - can they do it? Sure. They could refresh the date of the debt and lie to the credit bureau. Will they do it? Don't know. If they try to do it, you need to be vigilant and monitor your credit reports. If the debt appears, you need to dispute the debt with the credit bureaus first. If the credit bureaus verify, then you should get an attorney specializing in FDCPA/FCRA violations. He can write a letter to the dentist. If the dentist does not take it off in response, then you can sue the dentist for your damages as well as attorney fees.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
