Walk It Through: The Old Card
No arrest threats, a caller who gives its name, and four years on an account.
A collector calls a school bus driver late at night about an old credit card balance and says not paying could mean arrest and criminal charges.
Two things a person in this spot might do. Picking one shows what the law says about it.
One card and one collector. The federal act's rules, what restarts a limitations period, and license complaints are not worked through here.
A practice walkthrough, not a prediction of how any real one will go. Legal information, not legal advice.
Words this turns on
Terms with a legal meaning that is narrower than the everyday one. Each links to the definition and the authority behind it.