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Sample Letters

Expired SOL Notification Letter

Each state limits the amount of time a creditor has to sue you in order to collect on a debt. This is called the Statute of Limitation (SOL). Once the SOL has expired, the creditor can no longer take you to court to get a judgment that would allow them to place a lien on your property or garnish your wages. If the creditor or collection agency threatens to sue you after the expiration of the SOL, you should send them an Expired SOL Notification Letter and make them aware you know your rights. Here is a sample format of the Expired SOL Notification Letter:



Dear Sir,

This letter is in response to your communication of regarding the collection on the account referenced above.

I do not believe that I owe this debt and therefore dispute this account. I have checked with my State Attorney General and verified that the Statute of Limitations for this kind of debt in [state in which contract was signed] has expired. If you intend to take this issue to court, I will find it necessary to inform the court that I have disputed of this debt and that the Statute of Limitations has already expired.

I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws.

Henceforth, I shall consider any contact not in compliance with the FDCPA a violation of the law and will report it immediately to the State Attorney General and Federal Trade Commission. Please be advised that I keep a record of all phone calls and any violation of the FDCPA can result in you/your company being fined up to $1000 per incident in addition to my attorney fees and court costs.


Your Signature______________________________

Your Name___________________________________

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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.