Every state sets a deadline for creditors and debt collectors to sue over unpaid debt — from 3 years in the shortest states to 10 in the longest, and it differs by debt type. Once the deadline passes, the debt is time-barred: still real, but a lawsuit over it can be defeated. Pick your state for the exact periods, the verified statute citation, and what to do if a collector contacts you.
Upload it and Main AI reads every line — what they’re claiming, the dates that matter, and exactly what to do next.
Analyze your collection letter — free →We’ll send this page’s key points plus the exact steps and deadlines that apply, free.