I have a debt collection question. My wife got a call from a attorneys office in reference to a old credit card account

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Customer: Hello
JA: Hi. How can I help?
Customer: \I have a debt collection question
JA: Where is this occurring? I only ask because laws can vary by state.
Customer: My wife got a call from a attorneys office in reference to a old credit card account that was way past due from years ago
JA: What steps has your wife taken so far?
Customer: \They told her including attorneys fees that she had the ballace could be $4000from a $1500 balance
JA: Is there anything else the Lawyer should know before I connect you? Rest assured that they'll be able to help you.
Customer: then the person said we could set up payments of $150 for the next 12 months
Answered by Elizabeth in 5 mins 2 months ago
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Elizabeth
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Elizabeth, Expert

Welcome and thank you for using Just Answer. My name is ***** ***** I'm the attorney who will be assisting with your legal question. So I can best help, how old is the debt?

Customer
12/2015
Customer
Milestone credit card
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Elizabeth, Expert

What state are you in?

Customer
I was concerned that this company called my wife today saying they were going to talk it to court unless we made either a payment today or payment arrangements. Black and Associates was the name of the firm then they connect me to a third party that collected my debit card information and a special authorization form to be docusigned for payment arrangements, I live in Florida
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Elizabeth, Expert

In FL, that debt died in 2020. It's a 5 year statute of limitations, they wouldn't be able to sue.

Customer
what can i do about the debit card info i gave them
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Elizabeth, Expert

You gave them it to make payments? You could contact your bank.

Customer
have them to send me a new card
Customer
How can i find out for sure how old the account is ?
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Elizabeth, Expert

You could request debt validation from the original holder.

Customer
i looked on experian and it says date opened 12/24/2015
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Elizabeth, Expert

When was the last payment?

Customer
I dont know... it just says balance updated May 1st 2018
Customer
it was a charge off account
Customer
i would assume
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Elizabeth, Expert

The last time it was in good standing should be on your credit report.

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