Expiry Date
—
when the clock runs out
Debt Type
—
affects SOL length
⚠️ Critical: Don't restart the clock
Making any payment — even $1 — or acknowledging the debt in writing can restart the statute of limitations in most states. Before paying anything, consult a consumer attorney or check the rules for .
🎉 Your debt may be time-barred
If the statute of limitations has truly expired, collectors cannot win a lawsuit against you. However: (1) they can still ask you to pay, (2) the debt may still appear on your credit report for up to 7 years, (3) making any payment can restart the clock in some states. Send a debt validation letter if they contact you — they must prove the debt is valid and collectible.