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How Do I Stop Creditors from harassing me with phone calls at work and at home?
 
We have all been there. Bad credit, unpaid debt, rising credit card rates, all have caused problems which result in a creditor calling a time or two. Unfortuantely, some creditors stop at nothing to collect a debt. But, just because we owe money, does not mean we don't have rights. When bad credit or unpaid debt has creditors calling day and night, there is one sure way to stop them dead in their tracks.
 

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You assert your rights under the Fair Debt Collection Acts by writing a short letter asserting your rights not to be contacted by phone. This simple technique stops creditor harrasiing phone calls cold. The fear of getting sued by aconsumer who knows their rights will end the calls immediately.






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What is the Statute of Limitations on Collecting  debt?

What is the length of time a creditor has to bring a lawsuit for collection on a debt. This length of time to file suit is called the statute of limitation, and its duration varies from state to state. See the chart below to see what your state statute is for certain debts. 






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(The numbers on this chart indicate years.)

State
Oral
Agreements
Written
Contracts
Promissory
Notes
Open
Accounts
Alabama
6
6
6
3
Alaska
6
6
6
6
Arizona
3
6
5
3
Arkansas
3
5
6
3
California
2
4
4
4
Colorado
6
6
6
6
Connecticut
3
6
6
6
Delaware
3
3
6
3
D.C.
3
3
3
3
Florida
4
5
5
4
Georgia
4
6
6
4
Hawaii
6
6
6
6
Idaho
4
5
10
4
Illinois
5
10
6
5
Indiana
6
10
10
6
Iowa
5
10
5
5
Kansas
3
5
5
3
Kentucky
5
15
15
5
Louisiana
10
10
10
3
Maine
6
6
6
6
Maryland
3
3
6
3
Massachusetts
6
6
6
6
Michigan
6
6
6
6
Minnesota
6
6
6
6
Mississippi
3
3
3
3
Missouri
5
10
10
5
Montana
5
8
8
5
Nebraska
4
5
6
4
Nevada
4
6
3
4
New Hampshire
3
3
6
3
New Jersey
6
6
6
6
New Mexico
4
6
6
4
New York
6
6
6
6
North Carolina
3
3
5
3
North Dakota
6
6
6
6
Ohio
6
15
15
?
Oklahoma
3
5
5
3
Oregon
6
6
6
6
Pennsylvania
4
6
4
6
Rhode Island
15
15
10
10
South Carolina
10
10
3
3
South Dakota
6
6
6
6
Tennessee
6
6
6
6
Texas
4
4
4
4
Utah
4
6
6
4
Vermont
6
6
5
6
Virginia
3
5
6
3
Washington
3
6
6
3
West Virginia
5
10
6
5
Wisconsin
6
6
10
6
Wyoming
8
10
10
8

The information above is believed to be accurate at the time of the creation of this page, and is for reference only.