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What to do with old bills?

Home › Forums › Credit Talk › General Credit Forum › What to do with old bills?

  • This topic has 2 replies, 2 voices, and was last updated 9 years, 11 months ago by Bluvsu2.
Viewing 3 posts - 1 through 3 (of 3 total)
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  • March 7, 2013 at 11:12 pm #3215
    Bluvsu2
    Participant

    I have a LOT of old bills that I have saved over the years. I always was trying to pay them but never did. Now many of these are way past the SOL. Can I get rid of them. Should I scan them and keep on a jumpdrive just in case. I want some of this paperwork to go.

    March 10, 2013 at 10:19 am #3232
    fontanaman
    Participant

    I would scan them just in case. Also, are you sure they are past the statue of limitations? A lot of people get the SOL confused with the credit reporting time limit. Credit reporting limit for most types of accounts is seven years from the date of delinquency.

    The statute of limitations for collecting a debt is the period of time that a creditor or collector can use the court to force you to pay for a debt. The time period starts on the account’s last date of activity and varies by state.

    Statue of limitations can be as high as 15 years in some states. Here’s a handy list of statue of limitations by state: http://credit.about.com/od/statuteoflimitations/a/entirestatesol.htm

    source: http://credit.about.com/od/debtcollection/a/soflimitations.htm

    March 11, 2013 at 12:25 am #3233
    Bluvsu2
    Participant

    Thanks for the reply. Yes I have checked the SOL and it is 6 years in WI for debts. For judgements…unpaid 20 years… Paid 7 years.

    Right now they are in 2 different folders. Current and Past SOL

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