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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.






The Law Offices of Omar Zambrano has helped thousands of people and businesses in the past to get out of debt and start over.



Our goal is to help you can find a fresh start FAST!


Schedule your free consultation today! By Calling 626-338-5505 or visiting us at 12738 Ramona Blvd Baldwin Park CA 91706









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