Laws on Charge Off Collections

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The Fair Credit Debt Collection Practices Act requires debt collectors to send you a written "validation notice" within five days after first contacting you about a debt. The notice should include the amount owed and the name of the original creditor.


You have the right to challenge the validation letter by making a written request for additional documentation from the debt collector. You have the right to ask for a copy of the original contract that you signed, or a copy of the final statement before your debt was charged off. Once the debt collector provides you with valid documentation, you can assume that he has a legal right to collection from you.

Statue Of Limitations

Debt collectors can pursue you for payment for a lifetime. However, there are statue-of-limitations restrictions governing how long the debt collectors have to sue you in court. In most states the statue of limitations is about six years. Once the statue of limitation expires, any lawsuit brought against you for the debt will be dismissed by the judge if you appear for the hearing and point out that the statue has expired.


About the Author

Robert Lee has been an entrepreneur and writer with a background in starting small businesses since 1974. He has written for various websites and for several daily and community newspapers on a wide variety of topics, including business, the Internet economy and more. He studied English in college and earned a Bachelor of Arts in liberal arts from Governor's State University.

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