FDCPA

2 questions

How do I negotiate with debt collectors?

You can negotiate directly with debt collectors to settle for less than the full amount, set up a payment plan, or dispute debts that aren't yours — collectors have no obligation to accept, but many will. Always get any agreement in writing before paying.
What is the statute of limitations on debt?

The statute of limitations on debt is the legal window during which a creditor can sue you to collect — typically 3 to 6 years depending on state and debt type, though some states allow longer. After it expires, the debt is 'time-barred' and collectors cannot legally threaten or file a lawsuit, but the debt still exists and they can still contact you.