by average_joe » Mon May 25, 2009 03:22:05 PM
I believe it should go by the last time you made a payment on your car loan. If they call looking for money; I would not knowledge you owe the debt or put anything in writing. In doing so you might re-activate the statue of limitation by admitting you owe the debt. Once you know for sure that the statue of limitation has run out, and then you can admit over the phone you owe the debt. I would not put anything in writing.