Скачать или смотреть DONT Pay that Old Traps 🇺🇸

Debt collectors love to trick you into reviving "Zombie Debt." 🧟‍♂️💸

Here is the secret they hide: Every state has a "Statute of Limitations" on debt (usually 3–7 years). Once that time passes, the debt is "Time-Barred." They can still ask you to pay, but they cannot sue you or force you to pay.

The Trap: If you make even a small payment (like $5) or acknowledge the debt on the phone, you RESET the clock back to zero. You just brought the debt back to life! 😱

What to do:

1.Ask for a "Debt Validation Letter."

2.Check the "Date of Last Activity."

3.If it's past your state's limit, send them a letter saying: "This debt is time-barred. Cease and desist all contact."

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