Dear Paramount Law:
A debt collector keeps calling me about a bill that I do not believe that I owe–it’s from 10 years ago! I know that the statute of limitations is only 5 years on contract actions in Oklahoma. Can they still call me even though they can’t sue me for it anymore?
You should send the debt collector a letter stating that you don’t owe any or all of the money, and asking for verification of the debt, within 30 days after you receive the validation notice from the debt collector. Be sure to let them know why you believe that you don’t owe the debt in writing and ask for proof that the debt is not stale and that the statute of limitations has not passed. If you write them within 30 days of their original contact to you, a debt collector cannot continue to collect until they provide you with proper validation. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.
If course, if you truly believe that you do not owe the debt because you are certain that the statute of limitation has passed, you can send them a certified letter return receipt requested telling them to stop all communications with you. Under Federal Law, they must cease all further calls and letters. If they break the law, they owe you $1,000 and have to pay all of your attorney fees!
If you would like a free consultation or a free letter template to send them, just e-mail us using the form on the right of this page! Paramount Law provides no cost legal services to consumers. We make the abusive debt collectors foot our bill!