If your case is dismissed with prejudice (that means the debt buyer cannot file again), dispute the debt with the credit agencies. You can use the statute of limitations as an affirmative defense in your case to get it dismissed without prejudice.There is a Fair Debt Collections Practices Act, administered through the FTC. The case was dismissed without prejudice the creditor could essentially refile the matter correcting whatever the basis of dismissal was the prior time. Most people are sending the WRONG letters for debt collection disputes and debt validation. Letters from attorneys on their face, without more, do not constitute suit. The letter will usually explain that they are requesting debt. Without Prejudice means that the plaintiff can refile the lawsuit in the future. Most bankruptcy dismissals are without prejudice unless you abuse the bankruptcy process or willfully disobey court orders. What is without prejudice?