Is there a statute of limitations on collections of unsecured debt? This debt is unsecured credit card debt that is over 10 years old, and it is collection agencies trying to collect this debt. No bankrupt filing was made. Also, is it possible to get these collection agencies to quit calling? Can these collection agencies who have gotten judgments against me garnish my paychecks?
Thanks for writing! I asked the state Attorney Generalâ€™s Office to review your questions. Hereâ€™s what a spokeswoman told me:
â€œThe questions arenâ€™t really â€˜ask your government,â€™ but more of â€˜ask an attorney.â€™ We canâ€™t answer legal questions.
â€œWe donâ€™t even have jurisdiction to take complaints about collection agencies. The best I can do for you is a link to a general explanation of the federal Fair Debt Collections Practices Act and the federal Fair Credit Reporting Act, which you can access at www.ag.nd.gov/Brochures/FactSheet/FactSheet.htm.â€
The stateâ€™s fact sheet on the topic includes the following:
â€œThe Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Harassment, threats of bodily harm or the advertisement of your debt is prohibited.
â€œYou can stop a debt collector from contacting you at all by writing a letter telling it to stop. After that, the debt collector may only contact you to say there will be no further contact or to notify you that some specific action will be taken. Remember, that does not stop the debt collection activities.
â€œYou can file a complaint against a debt collector by contacting the North Dakota Department of Financial Institutions at (701) 328-9933.â€
I also sent your question to the North Dakota Department of Financial Institutions. Hereâ€™s what Chris Ludwig, consumer licensing investigator/
â€œI am not an attorney and this information should not be considered legal advice. Provisions for statue of limitations can be found in North Dakota Century Code Chapter 28-01. Our department recommends consumers refer to legal counsel when looking to see what actions must be commenced within certain time frames.
â€œCollection agencies and creditors can attempt to collect debts that may be past the statue of limitations. They are just limited as to their right to take legal action.
â€œA collection agency that has obtained a judgment can garnish wages in compliance with North Dakota law. This is something that would require legal action through the courts.â€
Did North Dakota go along with the 55-mph speed limit on its highways when the U.S. had the energy crisis back in 1973 after the OPEC oil embargo? I believe that the 55-mph limit was imposed nationally by Congress. And then, when did North Dakota authorize higher speed limits?
Thanks for the question! Hereâ€™s what Jamie Olson of the North Dakota Department of Transportation found:
â€œIn January 1974, pursuant to Congress, the North Dakota Legislature established a maximum highway speed limit for all public highways of 55 miles per hour. This was for the purpose of conserving fuel during the periods of current and eminent fuel shortages.
â€œIn 1987, Congress allowed individual states to set speed limits. Therefore, the North Dakota Legislature set speed limits on I-29 and I-94 at 65 mph.
â€œIn 1997, the state Legislature passed the following speed limits:
- Interstate system: 70 mph
- Four-lane state highway: 65 mph
- Two-lane state highway: 65 mph during the day, 55 mph during night.
â€œIn 2003, the state Legislature passed the following speed limits:
- Interstate system: 75 mph
- Four-lane divided state highway: 70 mph.â€
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