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I would explain the statutes of limitations for creditors and third-party debt collectors. Inform the consumer of his rights under the FCDRA and what action to take if a creditor violates the act. I would discuss various debts, such as contracts and credit card debt. I would explain the variations in state laws and lengths. In some states the statute of limitations is just three years, while in other states it can be as long as 15 years. I want to answer questions like: What actions reset the clock? How can a debt collector can extend the statute?