{"id":151,"date":"2012-01-04T16:24:00","date_gmt":"2012-01-04T16:24:00","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=151"},"modified":"2025-08-11T19:31:19","modified_gmt":"2025-08-11T19:31:19","slug":"beware-of-undead-debt-dont-let-them-reboot-the-statute-of-limitations","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/beware-of-undead-debt-dont-let-them-reboot-the-statute-of-limitations\/","title":{"rendered":"Beware of Undead Debt – Don’t let them reboot the Statute of Limitations"},"content":{"rendered":"

Over the New Year weekend I saw a Wall Street Journal article. It was about certain banks and credit card companies trying to trick people into paying expired debts. Those would be debts so old that they are now barred by the statute of limitations.<\/p>\n

In Minnesota the statute of limitations on most obligations is six years. That means anything you haven’t paid on for six years is probably not a debt that can be legally collected. The Wall Street Jounal article describes a plan where people with such expired debt are offered new credit cards, but in exchange for getting the card they are required to pay off some of their old expired debt. The marketing for these new credit cards can be very misleading. A lot of people are signing up for these deals without understanding that the debt they are being asked to pay as a condition of getting the new card is rally old and now bogus.<\/p>\n

I see that Yahoo Finance <\/a>has republished the article or part of it, which you can find here<\/a>.<\/p>\n

Tip if you are sued for expired debt: Last time I checked, in Minnesota a bill collector can still sue you and still get a default judgment for debt which is past the statute of limitations. That’s because the statute of limitations is an affirmative defense that must be raised in a response to the lawsuit. So if you are sued for debt that you think is probably expired, you need a lawyer to help you raise that defense. Properly raised, the statute of limitations is a defense that makes the debt go away – but ONLY if it is properly raised as a defense. I would discourage you from trying to raise the defense yourself. You can try, but it’s complicated and would be easy to mess up.<\/p>\n","protected":false},"excerpt":{"rendered":"

Over the New Year weekend I saw a Wall Street Journal article. It was about certain banks and credit card companies trying to trick people into paying expired debts. Those would be debts so old that they are now barred by the statute of limitations. In Minnesota the statute of limitations on most obligations is … <\/p>\n

Continue reading “Beware of Undead Debt – Don’t let them reboot the Statute of Limitations”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[56],"tags":[],"class_list":["post-151","post","type-post","status-publish","format-standard","hentry","category-debt"],"yoast_head":"\nBeware of Undead Debt - Don't let them reboot the Statute of Limitations - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/beware-of-undead-debt-dont-let-them-reboot-the-statute-of-limitations\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beware of Undead Debt - Don't let them reboot the Statute of Limitations - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"Over the New Year weekend I saw a Wall Street Journal article. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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