Do you have a debt that is 5 years old and are just now receiving dozens of phone calls from third-party collection agencies? If so, these debt collectors may be in violation of the FDCPA. You have rights as a consumer and have the ability to protect them. Debts that go unpaid for years actually have an expiration date. While this date varies depending on what state you live in, you should always check to see if an old debt is past its statute of limitations before agreeing to pay a debt that a collector asks for. If the debt is older than your state’s statute of limitations, you can choose to decline to pay it. Expect to hear a fair amount of backlash from the debt collector, but if you can confirm that the debt has expired, you do not need to bend to a third-party collection agency’s demands. Not sure whether or not a debt has expired? You should speak with a consumer attorney first. He or she will know your state’s laws and can help you find out whether or not you need to pay a debt. If the third-party collection agency continues to bother you, you may be eligible to file a claim under the FDCPA. But your time to file a claim may be limited, so be sure to speak with an attorney as soon as possible. The following collection agencies have allegedly violated the FDCPA in the past and harassed consumers. Ideal Collection Services, Inc Illinois Collection Service Illinois Collections Unlimited Icon Equities, LLC IC System, Inc IEI Financial Services Image Receivables Management IMC Credit Services Immediate Credit Recovery Imperial Credit Imperial Recovery Partners Independent Recovery Resources Innovative Accounts Management, Inc. Innovative Recovery, Inc. Integra Servicing, LLC Integral Recoveries, Inc Integrity Asset Partners Integrity Collections International Asset Group International Collection Agency, LLC International Collection Bureau, Inc. International Computer Systems, Inc. Integrity Financial Partners, Inc. Integrity Solutions Services Intelligent Business Solutions Interboro Recovery Service Intermountain Credit Services Interstate Collections of Idaho International Collection Services Interstate Credit Collection Interstate Credit Control Investment Retrievers IPC of Nevada ISA Acceptance Corporation Island National Group iQuantified Management Services, LLC IQ Data International Jack Harris, Inc. Jacobs Marsh, LLC. Jaffe & Asher, LLP Jana Ferrell & Associates Jason Reed and Associates Javitch Block LLC J.A. Cambece Law Office JC Christensen & Associates JC Pacific Collections, Inc. Jefferson Capital Systems Jeffrey G. Lerman Jenkins, Wagnon & Young JHPDE Finance I, LLC JM Adjustment Services JM Associates, LLC JJ Marshall & Associates JNR Adjustment Company Joe Pezzuto, LLC John Barry & Associates, Inc. John P. Frye, PC Johnson, Morgan & White Jonathan Neil Associates Jormandy, LLC Jones Law Firm Joseph, Mann, & Creed JP Development, Inc. JP Recovery JTM Capital Management, LLC Judgement Recovery Assistance Judgement Recovery International J. Wilson and Associates Kahrs Law Offices Kansas Counselors KCA Financial Services Kelly M. Davis and Associates Kenneth, Eisen, and Associates Kenosian & Miele Kentucky Accounts Service LLC KevMar Capital Corporation Kevin Z. Shine Key 2 Recovery, Inc. Keynote Consulting Keystone Credit Services Kimball, Tirey, and St. John Kings Credit Services Kingman, Cole and Associates Kinum, Inc. Knight Adjustment Bureau Kondaur Capital Corporation Kramer & Frank, PC Kross, Lieberman, & Stone, Inc. Kubler Corporation Kunstlinger & Wohlgemuth, PLLC Kyanite Services, Inc. Lake Valley Retrievals Lamb, Boyce & Associates Lamont, Hanley & Associates Land Home Financial Services, Inc. Lang, Richert & Patch Lanier Collection Agency and Service, Inc. Lake City Credit Lawal and Associates Law Enforcement Systems, LLC Law Offices of Clark Garen Law Offices of Crystal Moroney Law Offices of Daniel C. Consuegra Law Offices of Donald S. Burak Law Offices of D. Scott Carruthers Law Office of John E. Lindner, P.A. Law Offices of Ed Overcash Law Offices of Joel Cardis Law Offices of Michael P. Margelefsky Law Offices of Ross Gelfand Law Office of Vincent P. Cignarale, LLC Law Office of Wilfred E. Briesemeister LCS Financial Services Corp. LDG Financial Services, LLC Leading Edge Recovery Solutions Legal Mediation Practice Legal Recovery Resource, Inc. Legal Recovery Services Leland Scott and Associates Leib Solutions, Inc. LendingClub Corporation Letchworth Group Levy & Associates Lewis Hastie Receivables Lewis Shapiro, LLC LHR, Inc. Liberty National Financial LienMaster Life Line Billing Systems, LLC Lineage Group Linebarger, Goggan, Blair & Sampson, LLP Lionstone Holdings Group, LLC Livingston Financial, LLC L J Ross Associates Lloyd & McDaniel, PLC Loancare Locate Services Lockhart, Morris & Montgomery Lombardo, Davis & Goldman Los Angeles Collection Service Louisiana Bureau of Credit Control Louisiana Recovery Services Love, Beal & Nixon Luebke Baker & Associates Luke, Johnston & Lewis Lustig, Glaser & Wilson Lyon Collection Services, Inc. LTD Acquisitions, LLC LTD Financial Services LTS Management Services LVNV Funding