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CalAttorney2, Attorney
Category: Bankruptcy Law
Satisfied Customers: 10215
Experience:  Civil litigation attorney for individuals and businesses.
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Just received a letter from a debt collector,the Sol in colo

Customer Question

Just received a letter from a debt collector,the Sol in colo is 6 years,it has been 10 years where do I stand?
Submitted: 4 months ago.
Category: Bankruptcy Law
Expert:  CalAttorney2 replied 4 months ago.

Dear Customer,

If the debt is beyond the statute of limitations (meaning you breached the contract, and have not made any payments within the last 6 years), then the creditor can no longer judicially enforce the debt.

This means that while you still owe the debt, the creditor cannot do anything about it.

(also since the debt is older than 7 years, it should no longer appear on your credit history).

You can send the creditor a "no contact letter" and the creditor will no longer be able to contact you under the Fair Debt Collections Act, see this link for a sample letter: