I received a phone call from someone who stated that I owe a debt from the year 1995. What are my rights? Is there a statue of limitations for Massachusetts?
Yes, every state has a statute of limitations. According to our sources, the statute of limitations for most consumer debts is six years. We would recommend you double check that with an attorney or your state attorney general's office.
If you confirm this debt is too old, you can You can read our advice on using a cease and desist letter instructing the debt collector not to contact you again.