What to Do if You’re Contacted About a Time-Barred Debt

If you're contacted about a time-barred debt, there are a few things you should do. First, you should find out if the statute of limitations has expired on the debt. This can vary by state, but is typically between 3 and 6 years. If the statute of limitations has expired, the creditor can no longer sue you for the debt. Second, you should request verification of the debt from the creditor. This should include the amount of the debt, as well as who originally owed it. Once you have this information, you can decide whether or not to pay the debt. If you do decide to pay it, you can negotiate with the creditor for a lower payoff amount. Finally, if you're not able to come to an agreement with the

creditor, or if you don't think the debt is legitimate, you can dispute it with the credit reporting agencies.

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