Free Companion Resources
Letter templates, checklists, a rights reference card, statute of limitations data, and direct links to government resources. No signup required.
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Printable checklist of the seven first moves from Chapter 6 — your debt inventory template, lifecycle stages, and path decision framework.
Download PDFFill-in-the-blank template to request debt validation under the FDCPA. Forces collectors to prove the debt before collecting.
Download PDFTemplate to stop a collector from contacting you. Once received, they can only notify you of termination or legal action.
Download PDFOne-page reference of everything collectors can't do, everything you can do, and how to file complaints when they cross the line.
Download PDFThe hardest part of this process is doing it alone. The community is where readers work through it together — the real questions, the specific situations, and people who've been exactly where you are.
Join the community →For specific situations — built to work alongside the book.
Walks you through any collector letter or call script. What it actually means, what's real, what's pressure, and what to say back.
$17 Learn more →Creditor-by-creditor breakdown of what each major bank accepts in settlement, their internal timing, and what approach works.
$27 Learn more →The complete system: negotiation scripts, settlement letter templates, tracking spreadsheets, and the confidence playbook.
$297 Learn more →Credit card debt SOL by state. After the SOL expires, collectors lose the right to sue you and win.
For informational purposes only. Laws change — verify current rules in your state before making decisions.
| State | SOL (Years) | Notes |
|---|---|---|
| Alabama | 6 | Written contracts |
| Alaska | 3 | |
| Arizona | 6 | Written contracts |
| Arkansas | 5 | Written contracts |
| California | 4 | Written contracts |
| Colorado | 6 | |
| Connecticut | 6 | Written contracts |
| Delaware | 3 | |
| District of Columbia | 3 | |
| Florida | 5 | Written contracts |
| Georgia | 6 | Written contracts |
| Hawaii | 6 | Written contracts |
| Idaho | 5 | Written contracts |
| Illinois | 10 | Written contracts (5 years for oral) |
| Indiana | 6 | Written contracts |
| Iowa | 5 | Written contracts |
| Kansas | 5 | Written contracts |
| Kentucky | 5 | Open accounts (written may be 15 years) |
| Louisiana | 3 | |
| Maine | 6 | Written contracts |
| Maryland | 3 | |
| Massachusetts | 6 | Written contracts |
| Michigan | 6 | Written contracts |
| Minnesota | 6 | Written contracts |
| Mississippi | 3 | |
| Missouri | 5 | Written contracts |
| Montana | 5 | Written contracts |
| Nebraska | 5 | Written contracts |
| Nevada | 6 | Written contracts |
| New Hampshire | 3 | |
| New Jersey | 6 | Written contracts |
| New Mexico | 6 | Written contracts |
| New York | 6 | Written contracts |
| North Carolina | 3 | |
| North Dakota | 6 | Written contracts |
| Ohio | 6 | Written contracts |
| Oklahoma | 5 | Written contracts |
| Oregon | 6 | Written contracts |
| Pennsylvania | 4 | Written contracts |
| Rhode Island | 10 | |
| South Carolina | 3 | |
| South Dakota | 6 | Written contracts |
| Tennessee | 6 | Written contracts |
| Texas | 4 | |
| Utah | 6 | Written contracts |
| Vermont | 6 | Written contracts |
| Virginia | 5 | Written contracts |
| Washington | 6 | Written contracts |
| West Virginia | 10 | Written contracts |
| Wisconsin | 6 | Written contracts |
| Wyoming | 8 | Written contracts |
Official sources referenced in the book.
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