Statue of Limitations Expiration By Collection Agency

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Having a debt collector calling you day and night already adds to the amount of stress of dealing with debt-related financial problems.

With the amount of problems consumers have faced from third-party collection agencies, the United Sates government established the The Fair Debt Collection Practices Act (FDCPA), a law that help consumers protect themselves from harassment from third party debt collection agencies.

Statute of Limitations Regarding Debts

Each Debt carries a statute of limitations, after which time, a collection can no longer file a lawsuit against you. If the statute of limitations on your debt has been reached, you can send the collection agency a letter requesting that they no longer contact you.

If a third party collection agency reaches out to you regarding a debt who's statue of limitations has expired, then they are in violation of the FDCPA and you may be entitled to damages.

What to Do If This Happens to You

There are certain actions you can take if a third party collection agency inquires you about a debt that has passed its statute of limitations. You have the opportunity to seek the counsel of an FDCPA lawyer to discuss your claim and to see if you are entitled to damages.

You don't have to fight the debt collection agencies alone. Here's some more information on what to say to some of the country's biggest debt collectors if they reach out to you: