3years
Civil-law claim
Invoices, consumer credit, phone and internet contracts, utilities, most debt collection claims.
TsÜS § 146
Break free from old-debt stress, with one file.
Upload the debt collection letter or an old invoice. In a couple of minutes we check whether the claim is time-barred in Estonia, and if it is, we send the creditor an official objection on your behalf.
Free check · you pay only if the claim is time-barred and the objection is sent
Identity verification 
Limitation periods in Estonia: civil claim 3 years · tax debt 5 years · court judgment 10 years · legal basis TsÜS § 142
- Upload
- We check
- We send the objection
Every claim expires in its own time.
A debt collection letter in your mailbox doesn't mean the claim still holds. Estonian law sets a limitation period for every claim. Once it passes, you have the right to refuse.
5years
Tax debt
Tax authority claims, including unpaid tax obligations and accrued interest.
MKS § 132
10years
Final court judgment
The longest period in the law, but even this one ends. Check the date.
TsÜS § 157
A debt collection letter, an old invoice, a bailiff's threat, those words stop hurting when time is on your side. The law isn't a punishment for the creditor, it's protection for you.
Kustuta.ee
Three steps. Your part takes a couple of minutes.
You upload one document. Our system reads it and checks it, and we draft and send the objection.
- 01
Upload the debt collection letter
A PDF, a photo, or a screenshot of the email all work. The audit trail starts here, every action on your case is recorded.
~30 seconds - 02
We identify the dates
We compare the dates in your document with the limitation periods in force. A clear answer: valid, doubtful, or time-barred.
~2 minutes - 03
We send the objection
We draft an official objection under TsÜS § 142 and send it to the creditor. You get a copy.
same day
Only the people who need to see your data can.
Built on the logic of e-Estonia: secure data handling, a clear legal basis, an unchangeable trail for every action.
Secure transfer and storage
Your document travels from your device to us over an encrypted connection and is stored on a server in the European Union.
- TLS transfer · hosted in the EU
Unchangeable audit log
Every action on your case is logged and can't be changed. On your case page you can always see what was done and when.
- Append-only audit log
Automatic deletion
The original is deleted 30 days after your case closes. Only the copy of the objection is kept.
- GDPR art. 17
A clear legal basis
We act under TsÜS § 142. The objection is a tool the law provides for, not a place to argue.
- Source: Riigi Teataja
Law General Part of the Civil Code Act, § 142 (1) Identity verification
One clear price, only for an objection we've sent.
The check is always free. You pay only if the claim is time-barred and we send the objection.
€29 per case
Free check. You pay only if the claim is time-barred and the objection is sent.
- A thorough limitation check based on your document
- Drafting the objection and sending it to the creditor
- Confirmation of sending and a copy of the objection to your email
- Support in case the creditor replies
The answers debt collectors won't give you.
Yes, completely. We act under Estonia's General Part of the Civil Code Act § 142, which gives the debtor the right to refuse to pay a time-barred claim. We don't give individual legal advice the way a lawyer would; we draft the objection the law provides for and send it to the creditor on your behalf.
Everything we do is logged, and you get a copy of every step.
The limitation period is the window during which a creditor can enforce a claim in court. Once it passes, you have the right to refuse, and the court has to take that refusal into account.
Under TsÜS § 147, the clock usually starts on 1 January of the year after the claim becomes due. Certain steps can interrupt the period (for example, the start of enforcement proceedings). That's exactly what we work out from your document.
Your document travels from your device to us over an encrypted connection and is stored on a server in the European Union. Every action on your case is written to an unchangeable audit log that you can see on your case page.
The original is deleted automatically 30 days after your case closes. Only the copy of the objection we sent to the creditor is kept. That's your evidence.
The period runs out on its own, but the limitation doesn't wipe out the debt automatically. You have the right to refuse to pay a time-barred claim. To do that, you have to invoke the limitation in writing. That's exactly what we do for you.
If you just stay quiet and pay off part of the debt, you can restart the limitation period. That's why you should never "pay a little" before you've run a check.
Once you've filed the limitation objection, the creditor can no longer enforce the claim in court or through a bailiff. A serious debt collection agency drops the collection. If the pressure keeps coming anyway, you can turn to the Consumer Protection and Technical Regulatory Authority (TTJA) or the Data Protection Inspectorate (AKI).
End the stress of an old debt, with one file.
A free check that tells you in a couple of minutes whether your debt is time-barred. You pay only if it really is and the objection is on its way.