Bill Slayer · Medical Bills · Subscriptions
Check if your old debt is still valid.
Statute of limitations and validation letter.
Answer 5 quick questions — get a personalized analysis of the statute of limitations and a letter to demand debt validation.
4
debt types covered
2 min
time to generate
2
letter templates
$9.00
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Instant delivery to your emailAn old debt is coming back — you don't know if it's still valid
You're hearing about a debt you don't remember or thought was paid. You don't know if you still owe it or if it's too old to collect.
This guide gives you a statute analysis and a debt validation letter to demand proof.
This guide gives you a statute analysis and a debt validation letter to demand proof.
Old debt resurfacing
A debt you don't remember is being collected. You need to verify if it's even valid.
Don't know the statute
You don't know how long a debt can be collected in your state.
Don't know how to respond
You don't know what to say to the collector or how to demand proof.
No escalation plan
If they keep calling, you don't know your rights.
What you get
Everything you need to validate old debt.
Statute analysis
Is your debt time‑barred in your state? We break it down based on your debt type and last payment.
Validation letter
A complete, ready‑to‑send letter to demand proof of the debt under the FDCPA.
Evidence checklist
What documents to gather and how to organize them.
Escalation plan
What to do if they keep contacting you — including CFPB complaints.
How it works
From confused to informed in 2 minutes.
1
Answer 5 quick questions
Tell us your state, debt type, last payment date, if it's with a collector, and your goal.
~2 minutes2
AI builds your custom plan
You get a complete HTML document with statute analysis, validation letter, and escalation plan.
~30 seconds3
Take action
Send the letter, know your rights, and stop collection harassment.
You decide1
complete debt validation system
3
statute scenarios
5
letter sections
4
escalation steps
Questions
Everything you need to know.
What is the statute of limitations for old debt?
It depends on your state and the type of debt. The guide gives you the specific timeline for your state.
Can I be sued for a time‑barred debt?
If the statute of limitations has expired, they cannot sue you. But they may still try to collect. The guide explains your rights.
What should I say if a collector calls about an old debt?
The Quick Reference Card includes a script for what to say, including how to demand they stop calling.
Does a partial payment reset the statute of limitations?
In some states, yes. The guide explains what counts as resetting the clock in your state.
What if I already paid a time‑barred debt?
If you voluntarily paid, you might not get it back — but the guide explains the rules and what to do next.
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