www.alabamaconsumerprotection.com www.alabamaconsumer.com When you face a debt collector, it is natural to wonder how long the collector has to collect. Or what is the statute of limitations? There are actually 3 time periods we need to focus on. First, the statute of limitations to file suit. The debt collector must sue within this time period. In Alabama this is normally 3 or 6 years. Second, the time to report delinquent accounts on your credit report is normally 7 years after the first major delinquency. Anything after that is too late. Finally, the time period to collect using methods other than suing or credit reporting. We'll hit each of these topics in our next videos. John Watts Birmingham, Alabama
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