Prescription

A debt collection agency chases payment for the creditor, but it cannot seize anything and its fees are not yours to pay. The required letter, banned practices, orders for payment and limitation periods.

The debt limitation period sets how long a creditor has to act: 1 year for phone bills, 2 years between a business and a consumer, 3 years for rent, 5 years in general, 10 years for a judgment. What stops the clock and how to rely on it.

Unpaid overtime can be claimed over three years, and the burden of proof does not rest on the employee alone. Premium rates, the annual quota, day-rate contracts, the evidence to gather and the tribunal route.