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Debt collectors may call, send mail notices, emails or text messages. It's the same debt, and you still owe payment ? it's just that a third party has bought the right to collect.

The fee is 28% of the case balance at the time it was referred to outside collections. This fee is added automatically and without further notice to the debtor or further order by the court. You may set up a payment plan by submitting the Request for Payment Plan form.

Generally, the fee falls between 20%-40%, influenced by several factors: Age: Older debts, being trickier to collect, tend to incur higher fees. Balance: Small-balance accounts often attract a higher fee due to the relatively lower profit margins for the agency.

In Oregon, the deadline is six years for a mortgage, medical or credit card debt, auto loans, and other contract debts. Unfortunately, state tax debt doesn't have a statute of limitation. Note that the statute of limitations doesn't start when you were last billed but starts with your last payment on your debt.

Oregon's statute of limitations on judgments is ten years, meaning that if the creditor goes to court before your contractual statute of limitations has expired, they can receive a judgment that allows them to pursue you on the debt for up to ten years and not the original six years.

After a money judgment has been docketed in the circuit court judgment docket by the clerk, a certified copy of the judgment or a lien record abstract may be filed by the judgment creditor in the County Clerk Lien Records in any other county in which the defendant owns real property.