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Home / Debt Questions / Debt is this right?

Debt is this right?


Does debt cease to exist if 6 years have passed since it was last asked for?


The debt does not cease to exist, however after a solid period of 6 years of no contact between the debtor and lender the debt becomes statuate barred.

This means that although the debt still exists, the lender cannot take the debtor to court to recover the debt. In real terms this means that if the debtor refuses to pay, theres nothing the lender can do it about it.

You have to be careful, as in any fresh contact in which you acknowledge the debt will break the statuate barred status and the 6 year period starts again.

As a result, in any letters you should put that you do not acknowledge the debt, and don’t sign them. Don’t mention anything about payment.

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