Federal law prevents debt collectors from suing you when the statute of limitations has passed on a debt. However, the law doesn't prevent collectors from continuing to contact you to collect the debt. Use this letter to let collectors know the statute of limitations has passed and you no longer wish to be contacted regarding the debt.
Your City, State Zip
Collector's City, State Zip
Account Number: XXX-XXXX-XXXX
To Whom It May Concern:
This letter is response to your phone call on/letter dated January 15, 2009, concerning the above referenced account number.
I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired.
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act.Sincerely,
Tips for Sending Your Letter
- Customize the bold parts of the letter with the information pertaining to your particular collection account.
- Send the letter via certified mail with return receipt requested. That way you have proof of the letter's mailing and receipt. You can use this to file a complaint or lawsuit against the debt collector for further unlawful collection action.
- Keep a copy of the letter for yourself.