The Law That Protects You
CFPB Regulation F requires debt collectors to disclose when a debt is time-barred. Suing or threatening to sue on a time-barred debt violates 15 U.S.C. § 1692e (false representations).
When to Use This Letter
Your debt is older than the statute of limitations in your state or province
A collector is threatening to sue on an old debt
You want to put the collector on formal notice of your defense
You want to stop collection activity on a time-barred debt
What This Letter Does
Formally notifies the collector that the debt is past the limitation period
Demands cessation of collection activity on the time-barred debt
Warns that any lawsuit will be defended on SOL grounds
Cites CFPB Regulation F requirements for time-barred debt disclosures
Documents the notice for any future FDCPA claim
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DebtDispute provides document preparation assistance and is not a law firm. This does not constitute legal advice. Consult a licensed attorney for legal counsel.