Debt LawsuitsJuly 18, 2026
Statute of Limitations on Debt, State by State
When is a debt too old to sue on? State-by-state limitation periods, what restarts the clock, and how to raise the defense.
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8 results for “statute of limitations”
Debt LawsuitsJuly 18, 2026
How to Respond to a Debt Collection Lawsuit
Served with a debt lawsuit? Learn the deadline to answer, what to file, and how to make the collector prove its case — step by step.
Credit RepairJuly 18, 2026
Debt Settlement vs. Debt Validation: Which First?
Validate before you settle. Why demanding proof first gives you more leverage — and how to sequence the two strategies.
FDCPAJuly 18, 2026
Debt Validation Letter: What It Is and What to Send
A debt validation letter forces collectors to prove the debt is yours. Learn the 30-day rule under FDCPA §1692g and what to demand.
FCRAJuly 18, 2026
How Long Collections Stay on Your Credit Report
Collections fall off seven years from first delinquency — not from when they were sold or paid. How the date works and how re-aging violates the FCRA.
Debt LawsuitsJuly 18, 2026
How to Answer a Summons for Credit Card Debt
A step-by-step guide to drafting and filing your answer to a credit card debt lawsuit, including affirmative defenses and general denials.
Debt LawsuitsJuly 18, 2026
How to Get a Debt Lawsuit Dismissed
The most common grounds for dismissing a debt collection lawsuit — lack of standing, expired limitations, defective service — and how to raise them.
FDCPAJuly 18, 2026
What to Do When a Debt Collector Calls
The exact script for a debt collector call: what to say, what never to say, and how to protect your rights under the FDCPA.