When It Applies

Not For

• Calculating prescription, admitting or denying liability, making payment arrangements, or drafting court papers without legal advice.

Documents

• Demand letter
• Debt collector messages
• Contract
• Statements
• Payment proof
• Acknowledgement records
• Summons
• Judgment records
• Credit-bureau extract
• Debt-review records
• Question list

Timeline

• Same day: identify creditor, account, and old-date records.
• Before consultation: collect demand, account, payment, summons, judgment, and dispute evidence.
• During consultation: confirm which event may control prescription or response risk.
• Afterwards: calendar court and complaint deadlines separately.

Tips

• Do not guess prescription from memory.
• Separate old demands from court papers.
• Keep proof of last payment and last written acknowledgement.
• Ask before paying or signing anything if prescription is being raised.

Warning Signs

• Summons, judgment, sheriff action, garnishee, or credit-bureau listing is mentioned.
• You do not recognise the creditor or alleged ceded account.
• A collector pressures immediate small payment.
• The debt may involve a bond, tax, maintenance, judgment, or other special category.