This basic post is meant to be useful for anyone wishing to give a 5-minute seminar at the Metro/Trolley/Bus stop.
Please share widely.
Now that we know what a Statute of Limitations
is, 
and how to get the information on your debt, if it is Valid, you have the information that a legal expert needs to figure out if your debt is still enforceable in your state (or DC).
and how to get the information on your debt, if it is Valid, you have the information that a legal expert needs to figure out if your debt is still enforceable in your state (or DC).You should also look at your credit report, since debts are often listed by type there, as well.
1. revolving or open, is credit card;
2. written contract is an apartment lease, for example;
3. verbal contract;
4. promissory notes.
Again, many web sites list the various SoLs by state, but be sure to compare the SoL in your state with the online legal code of your state, and be sure that it is up to date (ask a law student if you are not sure, at a free legal clinic).
Now that you have all of the dates from your last payment, check your state law to see how soon after that the SoL for that type of debt kicks in, and count the years. If it is too old, then the debt is not enforceable, but you need to tell them that. In writing. There is a lot of advice online about this, but you probably want to get a Pro-Bono lawyer or law school student to help you, just to be sure.
Remember to always respond to a letter about debt, after checking with a legal person.
Don’t wait 
More on getting our state legislators to change this situation in a couple of weeks.
Shira
*****************
Click here to read, if you like:
B5, Hakan:Muhafiz/The Protector, Sihirli Annem, Lupin, or La Casa De Papel/Money Heist Reviews,
Holistic College Algebra & GED/HiSET Night School Lesson Plans,
or My Nonfiction & Historical Fiction Serial Writing
Thoughtful Readers, please consider reading and sharing about #ProjectDoBetter.
Shira
Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Context, Critical Thinking, Continuous Learning: Project Do Better 
Reblogged this on Ned Hamson's Second Line View of the News.
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Thank you, Ned.
Shira
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Reblogged this on collaboration with learners and commented:
Building on both earlier handouts on financial Self-Defense, Phase I of Project Do Better
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Reblogged this on Empathetic Critical Thinking Humanity and commented:
Click through to share
Project Do Better,
Phase I’s
5-minute
Each 1 Teach 1 post
from Shira Dest
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Public Financial Knowledge Infrastructure,
please:
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Link this to expired/extinguished post.
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