We are notifying you of a change in the law that affects your debt. This information is NOT legal advice: A new law affects this debt because your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt has expired. Previously, we informed you that if you make a payment on the debt, admit to owing the debt, or promise to pay the debt, the time to sue could start again. This is no longer the case. Under the new law, if the time to sue has expired, admitting to owing the debt, promising to pay the debt, or making a payment on the debt will not restart the time period during which you can be sued for the debt. Your creditor or debt collector will NOT sue you to collect this debt.

It is also a violation of the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. If a creditor sues you to collect on a debt for which the time to sue has expired, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired.

If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.

 

WE ARE REQUIRED BY LAW TO GIVE YOU THE FOLLOWING INFORMATION ABOUT THIS DEBT. The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the creditor from obtaining a judgment.