NCO The Statute of Limitations have expired. Please Report Them.. Horsham, Pennsylvania

I live in missouri and not all debts havd a 5 year window on them. Many have a 10 year window:

http://www.fair-debt-collection.com/sol-by-state.html#26

" Missouri Statutes of Limitation

Written agreement that contemplates the payment of money or property: 10 Years, (Mo.Rev. Stat. §5l6.ll 0). NOTE: Under certain circumstances, the contractual statute of limitations may be reduced to five years.

Open accounts: 5 years, (Mo. Rev. Stat. §5l6.l20).

Sale of goods under the UCC: 4 years. NOTE: The statute begins to run from the date when the breach occurred for contracts and from the time of the last item in the account on the debtor's side for actions on accounts. "

So things like medical bills, car payments, mortgages, etc all have a 10 year window because they are contracted debt. Things like credit cards have a 5 year statute of limitations starting at the last activity on the account. Also, a cease and desist letter will only stop phone calls, they can contact you in writing still all they want. Also, you do need to include some personal information on a cease and desist letter. Otherwise, how do they know you wrote it? You should include at least your name and the account number being referenced in the debt.