Missouri Debt Collection Law at a Glance
Federal Protection
15 USC §1692g — Fair Debt Collection Practices Act. 30-day validation window from first written contact. Collector must cease collection upon written dispute.
State Coverage
Missouri relies primarily on federal FDCPA protections for debt validation rights.
Statute of Limitations
- Credit card / revolving: 5 years
- Written contracts: 10 years
- Oral contracts: 5 years
- Promissory notes: 10 years
- (Mo. Rev. Stat. §516.110, §516.120)
Where to File Complaints
- Missouri Attorney General Consumer Protection Division
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
Small claims limit: $5,000
Additional Protections
- Missouri relies primarily on federal FDCPA protections
- Merchandising Practices Act covers deceptive practices generally
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Missouri Debt Validation FAQ
What is the FDCPA 30-day validation period for debt collectors contacting me in Missouri?
Under the Fair Debt Collection Practices Act (15 USC §1692g), you have 30 calendar days from the date a debt collector first contacts you in writing to request validation of the debt. During this time, the collector must cease collection activity if you dispute the debt in writing. This federal right applies in all 50 states including Missouri.
Does Missouri have its own debt collection law?
Missouri relies primarily on the federal FDCPA for debt collection protections. While general consumer protection statutes may apply to egregious collection conduct, Missouri does not have a dedicated state-level debt collection practices act with additional validation rights beyond the FDCPA.
What is the statute of limitations on debt in Missouri?
In Missouri, the statute of limitations varies by debt type: credit card/revolving debt is 5 years, written contracts are 10 years, and oral contracts are 5 years (Mo. Rev. Stat. §516.110, §516.120). If your debt is past the statute of limitations, a collector cannot legally sue you to collect it, and threatening legal action on time-barred debt may violate the FDCPA.
What should I include in a debt validation letter sent from Missouri?
Your debt validation letter should: (1) reference the FDCPA (15 USC §1692g), (2) demand verification of the debt amount, (3) request proof of the collector's authority to collect, (4) ask for the original creditor's name and address, (5) request a copy of the original agreement, and (6) cite any applicable Missouri state protections. Send via certified mail, return receipt requested.
Can I sue a debt collector who violates my rights in Missouri?
Yes. Under the FDCPA (15 USC §1692k), you can sue for up to $1,000 in statutory damages plus actual damages and attorney fees. You can file in Missouri small claims court for claims up to $5,000.
Debt Validation Letters by State
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