Q: I am getting calls from a company that bought a 11 yr old car loan. trying to sue me for intent to fraud
I'm homeless and worried
A:
This loan is likely barred by the statute of limitations for fraud which is three years. Also the statute of limitations in Connecticut for debt collection is 6 years. HOWEVER, DO NOT ACKNOWLEDGE TEH DEBT OR MAKE A PAYMENT ON THE DEBT, because that will start the statute of limitations all over again and they will have grounds to sue you. Fraud is very difficult to prove and you should probably not discuss anything with them other than telling them to cease and desist from calling you.
Things a Debt Collector Cannot Do.
There are several things that a debt collector cannot do under the FDCPA. They cannot:
Call you before 8 am or after 9 pm, based on your time zone
Call you at work, provided the debt collector is aware your employer doesn’t approve of these phone calls
Harass, oppress, or abuse you
Lie to you or falsely imply that you have committed a crime
Use unfair practices in an attempt to collect a debt
Conceal his or her identity on the phone
Disregard a written request from you to cease further contact
You can file an online complaint here.
https://www.consumerfinance.gov/complaint/
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