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Today while I was at work. A deputy had a paid a visit to my house and spoke to my finacee. He gave her his number to give to me to call him. I gave him a call to find out whats going on and he began to say that he was ordered to come to drop off paperwork for a "redified paystub", or levy. That I have two weeks to get into contact witch JFG Finciancial Llc. and set up something before the process actually begins. This debt is from a old JC Penny credit card that I owe 1081.00 and DOFD is 07/2009 and in the state of Virginia the SOL is 3 years. So with the account being pass the SOL, can they still do this? I also looked over my CR and under public records I noticed in feb,2011 they had filed a "legal item" for the exact same amount.
I googed JFG Finciancial and they are labled as an fincianial advisor (http://www.buzzfile.com/business/Jfg-Financial-757-340-7600/ ) and not as a CA.
I really hate to a call CA and would rather do everything in writing, Whats my next step? Im really confused
The court paperwork should instruct on steps to take. Make sure to appear, regardless of any contact with them, unless you reach a clear agreement with them, and have a copy of their dismissal of their action.
Expiration of a statute of limitations on a debt is not something that just occurs as a general matter of fact.
It is something you must assert before the court, and prove with documentation of what you consider to be the relevant date that began the period.
The other party can contest the asserted date based on your state statute.
Make sure to show up on the required date, and have all your supporting documentation of the relevant dates.
I would follow RobertEG's advice. But I really don't think you have a beyond the SOL situation here. From what you said about the public record on your CR, I would bet that you already have a judgement against you and now they are going to garnish you. That's just what I am taking from this.
that stinks, but thanks guys for the advice