The concept of prescribed debt simply exists to create legal certainty. It is in the interest of fairness and justice that a legal claim (debt) does not remain relevant for an indefinite period of time.  Aside from special prescriptive periods for debts secured by judgments, taxes and mortgages, the general prescriptive period is three years from the date that the debt became legally due.

If you think that certain debt should be prescribed, you can request a credit report from credit bureaus such as TransUnion or Experian. After receiving a credit report you can contact your credit provider and request proof that they have tried to prevent prescription (this could be a record of calls made to you). If your credit provider fails to declare any proof that they have tried to contact you, you need to let them know that the debt should be prescribed.

Who handles prescribed debt? Only your credit provider can prescribe your debt. However, in cases where the credit provider fails to do so, you can contact credit bureaus (such as TransUnion, Experian, XDS or Compuscan) to investigate your situation and request that your debt gets prescribed. Credit bureaus can also have prescribed debt removed from your record within 20 days.