Statute-Barred Debt Letter — Stop a Collector Chasing an Old Debt

What this document does

• For $49 we draft a formal letter that asserts the debt is statute-barred — too old for them to take you to court — and requires the creditor or collector to stop recovery.
• It is written so it NEVER admits the debt or offers any payment, because in most states admitting an old debt or paying even a little can restart the time limit and revive their right to sue you.
• Records the facts that matter on paper: what happened, who is chasing you, what the debt was for, and the amount they claim, date of last payment or written acknowledgement.
• Calm and courteous: says what happened and what you would like, and invites a conversation. No legal threats.
• Cites the right Act, regulator and tribunal for your state — all eight states and territories covered.
• Delivered as a PDF you download the moment it is ready.

What we'll ask you

Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.

1. Tell me what's happening — who is chasing you for this old debt, roughly what it was for, and anything they have sent or said. IMPORTANT: do not phone or write to them to discuss or admit the debt, or offer any payment, before you read our warnings below — doing so can restart the time limit.
2. Who is chasing you — the original creditor or a debt collector? Their name, and any reference number on the letters.
3. Roughly what was the debt for, and what amount are they claiming now? (A rough idea is fine — you are not agreeing the amount is owed.)
4. What is the date of your LAST payment on this debt, OR the last time you acknowledged it in writing (for example you signed something, emailed admitting you owed it, or agreed a payment plan)? This single date matters most: the limitation period generally runs from it, so it decides whether the debt is too old to sue on. If you are not sure, give your best estimate and say so.
5. Since that date, have you made ANY payment (even a small one) or acknowledged the debt in writing? Be honest — this changes everything, because a recent payment or written acknowledgement can restart the time limit.
6. What is the creditor's or collector's postal or email address, so the letter can be addressed to them? (Leave this if you do not have it.)optional
7. What name and contact address or email should appear on the letter, so they can confirm in writing to you? (We do not phone them — everything stays in writing.)optional
8. Your state or territory — so the letter is dated in your time zone.
9. Your name and email — so the draft lands in your dashboard and inbox.