Free Form
Statute of Limitations Defense Letter
Inform a debt collector that the debt is past your state's statute of limitations and you will not acknowledge, pay, or make arrangements to pay it.
Where to send this form
Method
USPS Certified Mail with Return Receipt
Warning
Do NOT acknowledge the debt in writing or make any payment - this can restart the SOL clock
Verify
Check your state's SOL at your state attorney general website
Legal authority
Send via Certified Mail
USPS Certified Mail with Return Receipt creates a timestamped legal record of delivery - important if you need to file a complaint or lawsuit later.
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Create Free AccountEducational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer
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