Posts by Rachel Anderson3

John Clark6 said:If you ask me, I'd say the statute of limitations was interrupted back in 2007 and the ten-year clock started running all over again, simply because they took actual legal action to collect the funds.

Yeah, I’m inclined to agree with you there 😢, but here's the kicker: they made their move after five years had already passed, and now, six years have slipped by since that last attempt... honestly, I've been flagged in their system multiple times in the meantime, but they haven't actually seized a single cent...
So, what's the bottom line here—is the statute of limitations five years or ten? Because if it's actually five, I am seriously considering hiring an attorney to send them a formal notice to cease and desist this entire collection process.
And does anyone actually know what the default interest rate is supposed to be at this point? Is it 12% or 14%?

I’m looking for some advice here
This whole mess stems from a mobile carrier issue dating all the way back to 2001. Back then, they issued a judgment against me, but since I was working
through the SC, they couldn't actually collect anything until I signed a contract in 2007. That’s when the garnishment hit—they started taking a third of my paycheck.
It only lasted a few months because I had to quit my job due to some health issues, so they only managed to grab three installments. In the years since, I've bounced between
a few different employers, only staying at each for a short stint. During those times, no garnishments ever showed up. It's been six years since they last tried to hit
a third of my wages. My bank account is completely "clean"—no liens, no judgments, nothing.
I am totally lost. Some people are telling me the statute of limitations has passed because it’s been over ten years. Others argue that because they successfully collected a little bit
during that window, the clock didn't reset, but rather starts from that specific date (so, late 2007), meaning ten years still need to pass. Then there's a third group telling me I should call my lawyer
to file a motion to stay the enforcement because more than five years have elapsed. I’m getting a hundred different answers from every direction. Even my wife spoke to someone at the IRS, and she said that since
my account is clear, I shouldn't go poking the bear. I honestly don't know. Is it actually possible that this has officially timed out?? I haven't received a single notice in the mail.
Please, if anyone can offer some guidance or help...