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The statute of limitations doesn't relieve your obligation to pay a debt, and it doesn't stop collectors from trying to get you to pay. (It instead limits the time that debt is legally enforceable.) You can customize this sample credit letter and send it to debt collectors who continue to attempt collections on a debt that has an expired.
However, you definitely don't want them to think that you have to.
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If your debt has become so high that you can't pay off the balance or make monthly payments, you can try to negotiate with your credit card company or the debt collection firm that owns the debt. Variety of contract negotiation letter template that will flawlessly match your demands. The last thing you want to do is build the debt collector's confidence.
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