A Collector Is Calling About a Debt That’s Years Old. Here’s What to Do Right Now.
A collector is calling about an old debt? In most states they can’t sue you once it’s time-barred — but one wrong move can restart the clock. Here’s what to do.
Statute of Limitations
See my research, posts, and articles on the statute of limitations, including how it affects debt collection, legal time limits, and your rights. Click the link to learn more!
They Said Once a Debt Falls Off Your Credit Report, You Don’t Owe It Anymore. Not True.
A debt falling off your credit report after 7 years doesn’t erase it. Three separate clocks are running — here’s what the CFPB actually says about old debt.
A Debt Collector Is Threatening to Sue Me. Here’s What to Do Right Now.
A debt collector threatening to sue may be bluffing — or they may mean it. Here’s how to tell the difference, your rights under federal law, and what to do in the next 48 hours.
I Didn’t Respond to My Debt Lawsuit in Time. Here’s What to Do Right Now.
Missed the deadline on a debt lawsuit? A default judgment isn’t always final. How to vacate it, protect your income, and stop collection right now.
What Happens If Your Phone Bill Goes to Collections
Phone bill went to collections? Here’s exactly what happens to your credit, your rights under FDCPA, and the steps that actually work to resolve it.
Zombie Debt: A Collector Just Called About a 10-Year-Old Bill. Here’s What to Do (and Not Do).
Collectors buy old debts for pennies and use shame to restart the clock. A 30-year debt expert explains your rights and when to just say no.
How to Get Rid of a Debt Collector Without Paying — The Legal Options Nobody Explains Clearly
Debt collectors count on your fear. Before you pay anything, know your four legal rights: cease and desist, debt validation, statute of limitations, and FDCPA violation claims.
The 777 Rule for Debt Collectors: What It Is and What It Actually Means for You
The 777 rule limits debt collectors to 7 calls in 7 days and bars calling within 7 days of a conversation. But your FDCPA rights go further — and collectors count on you not knowing them.
Old Debts Keep Popping Up After I Paid Off Collections. What’s Going On?
Paid off old collections only to see even older debts appear? This is a predictable feature of how debt portfolios are bought and sold. Here’s how to evaluate each one — and why many debts that surface may be legally uncollectible.
LVNV Funding Bought Your Debt for Pennies on the Dollar. Here’s What That Means for You.
LVNV Funding pays less than 1 cent per dollar for charged-off debt, according to federal data. That means your $10,000 balance cost them roughly $200. Here’s how knowing that changes your negotiating position, your legal rights, and your options.
