Am I beyond the statue of limitations on a credit card?

I was just wondering how do I figure out if I am beyond the statue of limitations on a credit card? Or if credit cards even apply? On my credit report it states that my credit card became 30 days overdue in April/2004, meaning the last payment that I sent in was March of 2004. Is it safe to assume the statue of limitations has exceeded?
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no
not sure if statute of limitations is the right term but 7 years is the magic credit goes away number.
7 years from date of last activity. DLA DOLA
so that would put you at April 2011
Watch out for collections on unpaid credit cards, if the card was not paid in full.
2004 does put you 2 years past today which means the lates have relatively little weight on your credit score. Make sure you have good open and rated credit now with no lates the last 24 months.
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Thanks. The card is already in collections and they are threatening to sue. It is the only thing on my credit report so I will call and see if I can get a settlement for less than what they say I owe.

Also, I read on your website that I should ask for it to be deleted from my report after I pay it, is that correct?
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you always should ask, but not expect, to get something removed if you pay in full, unless, it is a second party or duplicate account on your credit report.

Collections? are collection threatening suit or whats going on here.
If the original credit card, charged you off, then sold this account, for pennies on the dollar a collections company should not even be able to put the collection on your credit report or threaten to sue.

the original credit card can sue and report bad.

this is why the debt validation form is so needed. Make sure any second party collection has legal cause and documentation for suit.
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I received a letter from Gordon & Wong Law Group PC stating that there is a pending legal action in Superior Court and I have 30 days to respond. On my credit report it says that the account was sold to another lender.

Should I send in the debt validation form?
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you need to talk to a lawyer.
but yes you need to know what they know if you can

Served court documents for a judgment hearing on medical bill

i'm looking for advice. i was served by certified mail today for a 6 year old medical bill. i do not dispute it. i would like to know what options i may have on this $776.86 suit. like do i show up or not. let it go to judgement and if i did what could i expect to happen. and any other info you may have on what i can expect from all of this.
please help.
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it would be best to pay this before it goes to court
so the judgmen doesnt show up on your report

Law office letter says i owe money but it is not my acount.

Today, I received a letter from a law office telling me they have taken over a debt collection of almost $4,000.00 and lucky me, I can settle for $1,500.00. The trouble is, I do not have this account, I do not know what they are referring to. none of my personal information is on the letter, such as employment, social security number. Just a strange letter asking for money. The office does exist, I called and hung up. I wrote aletter telling this law office that this information is incorrect, or fraudulent. Any other things I can do?
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http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
send them the debt validation letter
then the follow up

Court odered judgment. Collections from canada harrassing

A friend of mine is a Katrina survivor and now lives in California. She is being hounded by a guy who took over a judgment in 2004 that was issued in the courts in New Orleans. He was contacting all the people he could find on her website that were connected to her and sending them faxes and emails and calling them, telling them that he was collecting a judgment that she owes and asking if they could provide any information. He reached me and told me that he was going to take all the money that we make together on a venture we are working on that was posted on our website.
I had her send him a debt validation letter. He responded saying that he is not a third party bill collector. He sent her the judgment that shows that the original creditor had the judgment assigned to him in 2004 and he is now the judgment creditor. He said he is not bound by the Fair Debt Creditors Act.
We put in the letter requesting that he cease and desist in calling other person related to her and that she would file a complaint with the AG and file suit against him he continued to do so.
His address is in Vancouver Canada. Does he have jurisdiction on this judgment that’s from the New Orleans court when he lives in Canada and she is living in California?
I know she needs an attorney but she can’t afford one – she is trying to work that out.
What she wants is for him to stop contacting third parties and she wants to know her rights. She has some property in New Orleans. The judgment is only $2,000. He wanted her to pay $700 today and he would call it quits but she doesn’t have them money. And, how would she know he would go away if she paid it. He wanted her to wire it to her.
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I am not sure about this at all.
sounds fishy, but court ordered judgments are different than credit related issues
i think people can go to jail over this stuff.

I would also think that the court or person who sued would be the only person that could hurt you.

I do believe that a FCRA probably does not work with judgments. But most if not all are bound to not harras. Seems like if he was real he would threaten jail.

I would say contact the court if you intend to pay. then the state atorney general
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Thanks very much. She got an attorney involved and the matter is being settled amicably with a settlement agreement for a very low amount!!

Collection Company suing me for 7000 in 10 days. What do I do?

I got a claim from one of a collection agency.. have 10 days to repsond.. what should I do. They say I will get a judgement against me.

also the original negative was reported and now that company tha tis suing me reported as well. so I have 2 differnet amounts because the claim amount includes fees.

what can I do ? I dont have the money to pay. orgiinal amount due to credit card 4600 all comes up to 7000 now with fees.

any ideas ?
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Make them fill out these debt validation letters and see if they have a case for court.
Get and talk to a lawyer.