Open Accounts for Debt Collection

Alabama

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3 years

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4 years

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6 years

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6 years

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3 years

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5 years

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6 years

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6 years

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3 years

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5 years

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10 years

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2 years

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5 years

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6 years

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8 years

Debt collection is the practice of obtaining payment from customers for purchases that have been made on credit.

A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.  A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.  A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

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