Getting calls about an old, expired debt?
Old debt past the statute of limitations is often bought for pennies and 'revived' with aggressive collection. Threatening to sue — or actually suing — on time-barred debt can be an FDCPA violation.
Common violations we see
- Collectors suing or threatening suit on very old debt
- Pressure to make a small payment (which can restart the clock)
- Debt you don't recognize resurfacing years later
- Failure to disclose that the debt is too old to sue on
Fair Debt Collection Practices Act · 15 U.S.C. § 1692 et seq.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that makes it illegal for debt collectors to harass, threaten, or deceive you. Georgia's Fair Business Practices Act adds further protection. If a collector broke these rules, you may be owed money — and they may have to pay your attorney's fees.
What happens next
1. You tell us what happened
Answer a few questions or send a short message. It takes minutes and it's completely confidential.
2. We review it for free
An attorney reviews your situation and we contact you — usually within one business day — to talk it through.
3. We take on the company, not you
If you have a case, we handle it. In most consumer-protection cases, the company pays our fees when we win.