Start My Answer

Statute of Limitations on Debt in Oregon

George Simons | December 02, 2022

Summary: Is a creditor threatening you over an old debt in Oregon? Find out how the statute of limitations protects you.

It is important to understand the statute of limitations on debt in Oregon if you have been sued over a particular debt in this state. In Oregon, debt collectors are required by law to register with the Oregon Department of Consumer and Business Services and also comply with state and federal fair debt collection laws.

What is the statute of limitations on debt in Oregon?

In Oregon, debtors have up to six years to file a debt collection lawsuit against you. Once the debt passes its statute of limitations, debt collectors cannot sue you for the debt; it will be considered time-barred or simply null and void.

However, it is also important to note that this statute of limitations only covers certain debts. Examples include:

  • Credit card debt
  • Medical debt
  • Mortgage debt
  • Contract debts

On the other hand, state tax debts do not have a statute of limitation.

Oregon Statute of Limitations
on Debt

Debt Type

Deadline in Years









Source: Findlaw

Make the right affirmative defense with SoloSuit and win your case.

How to deal with debt collectors in Oregon

If you have been sued over a debt that you supposedly owe in Oregon, the state's laws protect you against the actions of the credit card company or debt collection agency. The Fair Debt Collection Practices Act offers these protections to regulate how debt collectors conduct themselves when collecting a debt in the United States.

Under these laws, Oregon debt collectors cannot:

  • refuse to identify themselves during the phone call or initial contact with you.
  • lie about who they are or the agency they work for.
  • lie about the amount you supposedly owe or any legal action they can take against you.
  • use profane language or threaten you or your loved ones with violence in an attempt to recover the amount owed.
  • contact you at work if you inform them that your employer does permit phone calls while you're on shift.
  • call more than once a week.
  • contact you earlier than 8 a.m. or later than 9 p.m.

Disputing a debt in Oregon

Suppose you have been sued for a debt you do not owe or an incorrect amount. In that case, you do not have to process the payment; you can dispute the debt instead.

In Oregon, the law requires the debt collector to send you a written notice within five days of the initial contact. This notice should include the following:

  • the amount you owe;
  • the agency or company you owe the debt to;
  • the amount of time you have to dispute the debt.

Use SoloSuit to stop creditors from using shady debt collection tactics on you.

What happens if you don't dispute a debt in Oregon?

Not disputing a debt will not magically make it disappear. Instead, it could prove that you owe the stated amount. If you have any valid reason to dispute the debt, Oregon debt collection laws require that you file the dispute within 30 days of the date you first received the notice.

You may also request the debt collector, in writing, to verify the debt. Their response of verification should include:

  • proof that you owe the stated debt amount;
  • name and address of the original creditor (this applies only if the debt was sold to a debt collection agency).

Oregon laws also allow you to stop the debt collector from contacting you. To do this, you'll need to send them a letter in writing requesting them to stop contacting you.

In that case, the debt collector can only contact you to state either of the following:

  • potential legal action taken against you to recover the debt.
  • their willingness to stop attempting to collect the debt.

If the debt collector keeps contacting you even after you have requested them, in writing, to stop, you can file a complaint against them.

File a response in 15 minutes with SoloSuit and win in court.

How to respond to a debt collections summons in Oregon

If you would like to dispute a debt collection lawsuit in Oregon, you will need to file your answer to the collections summons and complaint.

This is the document served to you stating the legal action taken against you regarding the debt. In some states, such as Texas, a debt collection summons is also known as Citation and Petition.

Here's how to respond the right way:

1. Respond to each claim

This document usually consists of between 10 to 30 numbered paragraphs stating the details of the lawsuit. It is advisable to respond to each paragraph by either admitting, denying, or simply claiming that you 'do not know'.

By admitting, it means you agree with everything stated in that particular paragraph. By denying, it means the opposite. But, on the other hand, stating “I don't know” means you don't understand that specific paragraph or don't have the information required to respond to it.

2. Assert your affirmative defense

An 'affirmative defense' is a term that explains why the individual filing the lawsuit against you does not have a valid case. However, it is important to note that affirmative defense is a once-in-a-lifetime opportunity. If you do not take advantage of such an opportunity, the court will not allow you to use it later.

This explains why it is very important to let an attorney review your answer document and evaluate your options. For instance, when you file your answer via SoloSuit, the answer document is reviewed by a qualified attorney and then delivered to the court and debt collector.

Here are some examples of affirmative defenses to use in your answer document.

  • The Oregon statute of limitations on debt has expired.
  • The debt account does not belong to you.
  • The contract was terminated; thus, you do not owe the debt collector anything.
  • You were a co-signer but were not informed of your rights as a co-signer.
  • The debt has been partially paid.
  • The debt has been forgiven or paid in full.

Whichever defense you choose, you should be ready to submit evidence backing your claims.

3. File the answer

You are required to file the answer with the court handling the debt collection lawsuit and then send a copy to the plaintiff (debt collector). Given that the process of responding to a debt collection summons in Oregon is complicated, you can use artificial intelligence web applications like SoloSuit to create an attorney-approved answer in three easy steps before submitting it to the court and plaintiff.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court