Expired Statute of Limitation (SoL) Letter

Use the letter when debt collectors call demanding payment on an old debt.

There is a statute of limitations (SoL), also called “time-barred” on the enforcement of debts. Although a debt’s SoL has expired (see link below for more information) , that does not prohibit creditors and collectors from attempting to collect the debt. It just means they cannot use the courts to force you to pay the debt through legal actions such as judgments, liens, wage garnishments, and so forth.

Assuming a debt is valid, once it expires, it’s up to you to decide whether or not to pay it. If you choose not to pay the debt, you might save yourself and the creditor or collector time and money by sending a letter informing them of the expired statute of limitations (see link below) your intention to use it as your defense should they decide to pursue legal actions.

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FREE Sample Letter Expired Statute of Limitations Notification Letter

Today’s Date

Your Name
Your Address

Collector’s Name
Collector’s Address

RE: [insert account number or name of account or name of debt]:

Dear [insert collector’s name or company name],

This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone call on xx-xx-2005], concerning the collection of the above referenced [account or date].

I do not believe I owe what you say I owe; therefore, I dispute this debt.  I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws, so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state where you signed the contract) has expired.  Therefore, should you decide to pursue this matter in court, I intend to inform the court of my dispute of this debt and that the “statute of limitations” has expired.

This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that you have terminated your debt collection efforts or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not per the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission, and, if necessary, take whatever legal action is necessary to protect myself.  Be advised that I record all phone calls and that violations of the FDCPA can result in fines for you or your company up to $1,000 per incident.

(Sign above name)
Printed Name

Important: If you do not dispute the debt, leave that out of your letter. Just be aware that without the statement, sending an expired statute of Limitations letter implies the debt is yours and is valid. Always send your expired SoL letters via “return receipt requested” and keep copies for your records.