Editorial Policy

Our editorial team follows strict research principles:

• Primary Authority First: All defense guides and SOL calculations are based directly on codified state statutes, federal consumer protection laws, and published appellate court precedents.
• Pro-Consumer Objectivity: We do not accept advertising, sponsorships, or promotional compensation from debt collectors or collection law firms.
• Annual Statutory Updates: Content is audited following state legislative sessions to reflect changes in statutory limitation periods or debt buyer disclosure mandates.