Do I respond to a debt collector?

by Ellen
(San Antonio, TX)

I received a bill from a debt collector for a medical expense my daughter incurred 8 to 10 years ago and which I thought was paid. Do I respond to the debt collector? My friends say that if I write to the debt collector to contest the bill the statute of limitations will reset and I will have to pay the alleged bill.

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May 11, 2012
Do I respond to a debt collector?

The statute of limitations (SOL) on medical debt in Texas is 4 years. Therefore the SOL on your debt has expired, which means that you cannot be sued for the money although debt collectors can continue to contact you asking for payment. I recommend that you do nothing other than send the collector a cease contact letter. Make a copy of the letter for your files and send it certified mail with a return receipt requested. The federal Fair Debt Collection Practices Act says that once the collector receives your letter, he cannot contact you again.

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