Expired SOL Notification Letter

Under the FDCPA, no collection agency can take a legal action against you for non-payment of debt once the Statute of Limitation (SOL) period expires. However, if a collection agency tries to collect on a debt and threatens to sue you even after the SOL expires, you should use the Expired SOL Notification Letter to make them aware of your rights in such a case. A sample format of the Expired SOL Notification Letter is given below.


The Letter
Debt Validation Follow-up Letter to collection agency


Your Name   
Your Address
Your Phone #

Collector's Name
Collector's Address
Date

Dear Sir/Madam,

Re: Account Number

This letter is in response to your communication dated regarding the collection on the debt account referenced above.

I do not believe that I owe this debt, and therefore dispute this account. I am aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. I have checked with my State's Attorney General and verified that the Statute of Limitations for this type of debt in [state in which the contract was signed] has expired. If you intend to take this issue to court, I shall inform the court that I have disputed this debt and that the Statute of Limitations has expired.

Neither you nor anyone affiliated to your company should contact me except to inform me that collection efforts are terminated or that you or the creditor are taking specific actions allowed by the FDCPA and my state's law.

I shall consider any other contact a violation of The Fair Debt Collection Practices Act and will report it immediately to my State's Attorney General and the Federal Trade Commission. Please be advised that I keep a log of all phone calls and any violation of the FDCPA can result in your company being fined up to $1000 per violation.

Sincerely,
Your Signature 
Your Name      


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