What about old or statute-barred debts?

You may have a defence against a debt if:

• Long period of time has passed (usually 6 six years but it may be different depending on which state you live); and
• No court action has been taken.

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• Getting a copy of your credit report
• Debt collectors must act within the law when recovering debts. They cannot:
• Disputing a debt
• I thought I settled that debt
• When Negotiating a repayment plan
• Record keeping
• A debt collection agency can:
• When and where can you be contacted about a debt?
• Are you in debt?
• Why did I get into debt?