Statute of Limitations of Debt
What is Maine's Statute of Limitations of Debt
32 MRS §11013(8) states, “A debt collector may not commence a collection action more than 6 years after the date of the consumer's last activity on the debt. This limitations period applies notwithstanding any other applicable statute of limitations, unless a shorter limitations period is provided under the laws of this State. Notwithstanding any other provision of law, when the applicable limitations period expires, any subsequent payment toward, written or oral affirmation of or other activity on the debt does not revive or extend the limitations period.”
32 MRS §11002(1-A) defines “collection action” as, “a lawsuit or arbitration proceeding initiated to collect a debt from a consumer.”
The Consumer Financial Protection Bureau (CFPB) provides guidance on debt collection after the statute of limitations has passed and how long negative information appears on your credit report. The bureau also provides information on the federal Fair Debt Collection Practices Act (FDCPA). According to the CFPB website, the FDCPA, “prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.”Return to What's Maine's Law on...
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