Debt Consolidation

Pennsylvania Debt Collection Practices?

In the Commonwealth of Pennsylvania, is a debt collector allowed to speak to the spouse of a Consumer if the spouse is not a signitor of the agreement creating the debt? If so, does the consumer have to give permission first? I'm trying to figure out if a collector is allowed to speak to my wife for a credit card I had before we were married.

Tags: commonwealth of pennsylvania, credit card, debt collector

Is the SOL on credit card debt determined by the state you currently live in or where the debt originated?

Is the Statute of Limitations on credit card debt, determined by the state you currently live in or where the debt originated?

I have a debt that I stopped paying on in Jan 2002. I acquired the debt while living in Texas and stopped paying it while living in Texas. My husband is military so we have lived in Missouri for the past 4 years.

The SOL for TX is 4 years for open accounts (credit cards) and for MO it is 5 years. Either way, the SOL has run out on this debt, however I am still wondering which would apply to us since we are military? We claim TX as our home/residence.

Thanks!
This debt was sold to a debt collector years ago.

I have known others that have written cease and desist letters so I am not so sure that SOL on card debt is a "myth".

Tags: cease and desist letters, Credit Card Debt, credit cards, debt collector, myth, open accounts, sol, statute of limitations