Walk It Through: The Old Card
No threats of prosecution, two calls a day to a cell phone, and six years on a written contract.
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. Bad debt lists, the federal collection law, and when a claim accrues 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.