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Statute of Limitations Expired for Gatestone & Co. International Inc.*
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Statute of Limitations For Collection Bureau of Hudson Valley*

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Just like with civil and criminal cases, consumer debts carry a statute of limitations that prevent debt collection agencies from filing lawsuits to pursue the collection of outstanding credit card and personal loan account balances. Remember the keyword here is lawsuit.

A third party debt collector still has the legal right to contact you in regards to the collection of an outstanding debt. However, a landmark federal consumer protection law grants consumers the right not only to send a statute of limitations notice to a bill collector like Collection Bureau of Hudson Valley, but also send a cease and desist letter that ends all forms of communication.

How a FDCPA Lawyer Can Help You Fight Back

Consumers confronted by unfair debt collection practices have the legal right to fight back against debt collection agencies. Passed in 1977 by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) allows consumers to work with consumer protection lawyers to invoke any of the provisions written into the ground breaking federal law.

A FDCPA lawyer will write a legally valid notice to Collection Bureau of Hudson Valley that informs the third party debt collector that the statute of limitations has expired on the collection of the debt in question.

Having an experienced FDCPA lawyer on your side shows a bill collector you are serious about contesting the legal validity of a delinquent debt. You might have case to file in small claims court or your consumer protection lawyer might opt to file a lawsuit to seek actual damages for other violations of the FDCPA.

Experienced consumer protection lawyers know how to negotiate settlements with debt collection agencies such as Collection Bureau of Hudson Valley. Your FDCPA lawyer will ensure your case meets all the deadlines mandated by law, as well as draft a cease and desist letter sent to a debt collection agency via certified mail.

Statute of Limitations For Collection Bureau of Hudson Valley*

Sample Notice Sent to Collection Bureau of Hudson Valley

Your consumer protection lawyer will follow a general outline for writing a notice the statute of limitations has run out on your outstanding consumer debt. Each notice a FDCPA lawyer drafts contains a few unique attributes addressing specific issues with each bill collector.

However, you can expect the letter your lawyer drafts for Collection Bureau of Hudson Valley to look something like this:

To Whom It May Concern:

This letter is in response to your letter dated November 4, 2018 concerning the account number mentioned at the start of this notice.

I have checked with my state Attorney General’s office and I have determined the statute of limitations on my debt has expired. If you choose to file a lawsuit, I have no choice but to show proof the statute of limitations has expired.

Let this letter serve as notification that I do not wish to be contacted about this debt any further, unless you contact me to confirm your agency will no longer communicate with me. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act.

Your Name

Speak with a FDCPA lawyer today to ensure you enjoy all the legal protections granted by the landmark federal law.

Additional Resources

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Collection Bureau of Hudson Valley or any other third-party collection agency, you may not be entitled to any compensation.

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