How do I know if a debt is past the statute of limitations?

Varies by state and debt type — usually 3–6 years from last payment. We check your state's SOL and pull the account's last-activity date. If it's past SOL, the debt is unenforceable in court and you have an affirmative defense.

Can a collector sue me?

They can file, but they have to prove the chain of title (original creditor → debt buyer → them) with admissible evidence. We help you respond properly — most lawsuits by debt buyers fall apart when the consumer actually shows up.

Debt collection · FDCPA · Debt validation

Debt collector hassling you? Make them prove the debt — or stop.

FDCPA §1692g lets you demand written validation: original creditor, exact amount, your authority for the debt. About 1 in 3 collectors can't produce it. When they can't, the collection must stop.

30–50% of disputed accounts dropped · $1,000+ statutory damages for documented violations

FREE

first month

50% OFF

for life

+1 mo

per friend

If any of this is happening to you

We have the playbook for your exact situation.

Collector keeps calling about a debt you don't recognize

Debt you paid years ago is suddenly back

Collector won't say which original creditor the debt is from

Past statute-of-limitations debt being chased (zombie debt)

Collector showing up on your credit report after you disputed it

The law on your side

Fair Debt Collection Practices Act

Authority

15 USC §1692g · §1692k

Validation request under §1692g forces the collector to produce documentation or cease collection. §1692k provides $1,000 statutory damages + attorney's fees per willful violation. State mini-FDCPAs (e.g. CA Rosenthal Act) extend this to original creditors.

The process

Three steps. The agent does the rest.

Send us the bill.

Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in Fair apply to your specific facts, and tell you what we’d recover. Free triage.

Approve the plan.

We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.

We do the rest.

Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.

Questions, answered

Common questions.

Varies by state and debt type — usually 3–6 years from last payment. We check your state's SOL and pull the account's last-activity date. If it's past SOL, the debt is unenforceable in court and you have an affirmative defense.

Still wondering? Email hello@dotandcross.io — we read every message.

Closes the day we launch

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50% off for life.

Two minutes to reserve your spot. Drop your email — we’ll handle the rest when we open.