Know Debt Time Limits And Harassment Laws
Understanding the statute of limitations on debt is critical when a collection agency contacts you. The statute of limitations limits how long a creditor or debt collector can legally sue you to collect a debt. Even if a debt is old, collectors may still attempt contact—but they must follow the Fair Debt Collection Practices Act (FDCPA). Repeated or excessive phone calls, especially at inconvenient hours, may be considered harassment. Collectors also cannot threaten lawsuits, wage garnishment, or arrest if those actions are not legal or intended. You are entitled to receive a written debt validation notice within five days of first contact. If you ask a collector to stop calling your workplace, they must comply. Discussing your debt with friends, family, or coworkers is illegal. Any abusive, rude, or intimidating behavior is a violation of federal law. Knowing both the statute of limitations and your FDCPA rights helps you avoid being misled or pressured into paying an unenforceable debt.✅ Take Action Now https://protectionforconsumers.com/understanding-the-statute-of-limitations-on-debt-what-you-need-to-know/