Can a debt collector sue me after the statute of limitations has expired?

In New York, debt collection law prohibits debt collectors from suing consumers past the statute of limitations. The statute of limitations is a law that sets a time limit on when a debt collector can legally sue a consumer for a debt. In New York, the statute of limitations for most debts is six years. This means that a debt collector cannot legally sue a consumer for that debt after six years have passed from the date the debt was incurred. However, this does not mean that debt collectors cannot continue to contact consumers after the statute of limitations has expired. The law allows debt collectors to continue to contact consumers in an attempt to collect the debt, but they cannot threaten to sue them. They must also give consumers accurate information about their rights and the statute of limitations. If a debt collector tries to sue a consumer after the statute of limitations has expired, the consumer can take legal action to stop them. Consumers can file a lawsuit against the debt collector and seek damages, including attorney’s fees and court costs. Consumers also have the right to report the debt collector to their state’s Attorney General. In general, it is important for consumers to understand their rights when it comes to debt collection and to be aware of the statute of limitations. Consumers should contact a lawyer or their state’s Attorney General if they think a debt collector is trying to collect a debt after the statute of limitations has expired.

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Can a debt collector sue me after the statute of limitations has expired?

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