Disputing collections debt can protect your credit, but only if you know when it actually makes sense to do so.

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Debt sales happen more often than borrowers realize, though, and they ...

The amount you owe may also be subject to your state's statute of limitations, which typically ranges from three to 10 years, ...

The statute of limitations also plays a critical role. Each state sets time limits on how long a creditor can sue you for ...

In April 2025, Freedom Debt Relief reviewed data from tens of thousands of people actively looking for help with their debt. The numbers might be surprising. About one in four has at least one account ...

What happens when the statute of limitations expires? When you stop making payments on a debt and become delinquent, your creditor may send your debt to a debt collector. Debt collectors will attempt ...