Annotate Legal Delaware Debt Relief Forms For Free

As a resident of Delaware, you're entitled to all the rights and protections that fall under the Fair Debt Collection Practices Act (FDCPA). This act prohibits dishonest or aggressive debt collection practices, including: Falsifying information or legal documents. Calling you more than once each day.

Debt that is past the statute of limitations. If this is the case, then you can either call or write them a letter detailing your state's statute of limitations and demand that they remove the information from your credit reports and cease all collection activity.

In Delaware, the statute of limitations on debts is as follows: Open and closed contracts have a limit of 3 years from the date the debt is unpaid. Promissory notes have a limit of 6 years. Contracts signed under seal have a 20-year limit.

For civil claims, the statute of limitations in Delaware is most commonly three years, though it will vary depending on the specific type of case. Similarly, the statute of limitations in Delaware for criminal offenses ranges from two years for minor misdemeanors to ten years or more for more serious offenses.

The Act prohibits the use of ?unfair or unconscionable? means to collect or attempt to collect any debt. Examples include: collecting any fees incidental to the principal obligation unless they are authorized by the agreement creating the debt.

When a cause of action arises from a promissory note, bill of exchange, or an acknowledgment under the hand of the party of a subsisting demand, the action may be commenced at any time within 6 years from the accruing of such cause of action. Code 1852, § 2744; Code 1915, § 4673; Code 1935, § 5131; 10 Del. C.