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Statute of limitations (debt)

The time limit, set by state law, during which a creditor or collector can sue to recover a debt. Once it expires the debt is "time-barred" and cannot be enforced in court, though it may still appear on a credit report and a collector may still ask you to pay. Making a payment or acknowledging the debt can sometimes restart the clock.

Related forms

Debt validation letter

Debt validation letter: your rights under the FDCPA
Under the Fair Debt Collection Practices Act (FDCPA §1692g), a debt collector must send a written validation notice, and you have 30 days to dispute the debt in writing. If you dispute within that window, the collector must stop collecting until it mails you verification. Send your letter by certified mail to prove the date.

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