Augusta, ME asked in Collections for New York

Q: How long can a creditor come after me? What is the SOL for a debt judgement? And how many times can it be renewed?

A collector did a credit pull recently, it dropped my score and will be on my report for 2 years. I'm pretty sure my debt was payed by my fathers estate due to a lien on the property that was left to myself and 3 others in my fathers will. My father passed in 2011, that would mean the estate was settled about 8 years ago and because of this I didn't receive any inheritance so they could clear the lien and close the estate (others did receive theirs, so unless they did some shady stuff and robbed me). The original debt is from my credit card that was closed about 18 years ago, don't know my judgement date. My crediting bank was in DE. Is it legal to do a credit pull without my consent? The collection agency has contacted me and other family members many times. I've been told by acknowledging them would reset the statute but I'm not sure how to get the info to prove the debt was paid so I'm hesitant to reach out. How could I get that info to know for sure? What are my options?

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1 Lawyer Answer
Michael David Siegel
Michael David Siegel
  • New York, NY
  • Licensed in New York

A: The whole issue makes no sense. You have no liability for your father's debt. A lien on property follows the property. I do not think this collector was trying to collect this debt, unless you were on the card also. The SOL is six years from the last payment. Based on your post, even if you were on the card, unless there is a judgment against you, you could not be liable.

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