NCO PORTFOLIO MANAGEMENT Being Sued by Goldman & Warshaw on behalf of NCO... HELP Baltimore Maryland

Chris:

The info I'm giving you is assuming you have:

1) Been living in New Jersey since the debt defaulted.
2) Have not made a payment on the debt.

The statute of limitations on all types of debt in the state of New Jersey is 6 years. So, this debt appears to be obsolete. (7 years is the timeclock for reporting on your credit report.)

Since you have limited time, I would consult with a NACA attorney that can be found at. For a relatively small retainer, they can file an answer with the court denying NCO's claims due to the fact the debt is SOL. The attorney can also file a counterclaim against NCO for filing a lawsuit on a debt they have no right to file on. (That would get your attorney's fees paid back.)

There are online forums that can help you with this thing if you have time to prepare a simple answer yourself.

AT ALL COSTS, DO NOT IGNORE THEM AND LET THEM GET A DEFAULT JUDGEMENT AGAINST YOU. It will follow you for decades, and in some states they can garnish wages or lien property (not sure about NJ on that subject though).

BE RIGHTEOUS AND TAKE THESE FOOLS TO THE GROUND.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

do a web search on statute of limitations and you can find the appropriate one for your state. Remember to look at the state where you live AND the state you lived in when you had the credit card, if it was other than N.J. If the Statute of Limitations has indeed passed, and you are positive about the age of this account, that is, the date that the account was assigned to collections, then they have no case.

Here's some info on statute of limitations for New Jersy I got from an actual Debt Collection Agency:

STATUTE OF LIMITATIONS (IN YEARS)

Open Account: 6
Written Contract: 6
Sales (UCC) Contract: 4
Domestic Judgment: 20
Foreign Judgment: 20

Hope that helps

THANKS TO ALL THAT HELP ME WITH THIS....I WAS AT A LOSS AS TO WHERE TO START.

Law Office of Christopher J. McGinn
732 937 9400

This lawyer is currently handling my case with Goldman & Warshaw where I was sued out of State. It is quite well documented in the civil file in my case that Warshaw knowingly sent the summons and court motions to an address that they knew I did not reside. This firm you are dealing with is not very ethics oriented and will do anything to collect.

You may tell McGinn.... Curtis gave you his name.

Rip Off Report may take the phone number out as a matter of policy. McGinn is located in New Brunswick, NJ.