Expired SOL Notification Letter
Sample letter notifying of expired statute of limitations
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Collection Agency Name]
[Address]
[City, State ZIP Code]
RE: NOTICE OF EXPIRED STATUTE OF LIMITATIONS - Account #[ACCOUNT NUMBER]
Dear Sir/Madam:
I am writing to notify you that any debt you claim I owe on account number [ACCOUNT NUMBER] is subject to an expired statute of limitations in the state of [STATE]. Collection action on this account is no longer legally permissible.
Account Information:
Original Creditor: [Creditor Name]
Account Number: [Account Number]
Alleged Debt Amount: $[Amount]
Last Payment Date: [Date - typically the date of last activity]
Statute of Limitations:
The statute of limitations for written contracts/open accounts in [STATE] is [NUMBER] years. The time period began on [DATE OF LAST ACTIVITY/LAST PAYMENT].
Calculation:
Date of Last Activity: [DATE]
Years Elapsed: [NUMBER] years
Expiration Date: [DATE when SOL expired]
Current Date: [TODAY'S DATE]
Status: STATUTE OF LIMITATIONS HAS EXPIRED
Legal Implications:
Under [STATE] law and the Fair Debt Collection Practices Act, you are prohibited from:
- Filing a lawsuit to collect this debt
- Obtaining a judgment against me
- Attempting garnishment or wage attachment
- Continuing collection efforts
Required Action:
I am formally demanding that you:
- Cease all collection activities immediately
- Remove this account from all credit reports
- Confirm in writing that collection efforts have ceased
- Provide written confirmation that this debt will not be pursued
Failure to Comply:
Continued collection efforts on this time-barred debt constitute violations of the Fair Debt Collection Practices Act and may subject you to civil liability, including damages and attorney fees.
Please confirm receipt of this notice and acknowledge that collection efforts on this account have ceased.
Sincerely,
[Your Name]
[Your Signature]