Subject: Objection on grounds of time-barring — [CREDITOR NAME], reference
[NUMBER]

I consider that the claim being collected is finally time-barred and that I
no longer have any payment obligation.

Grounds: [CHOOSE AND COMPLETE: The judgment/enforcement order concerning the
claim was issued on [DATE YEAR], so the 15/20-year time limit under chapter
2, section 24 of the Enforcement Code expired in [YEAR]. / The claim fell
due on [DATE YEAR], so it is finally time-barred under section 13 a of the
Act on the Time-barring of Debts (728/2003) (20 years from the due date; 25
years if the creditor is a private person). / The claim is a public-law
charge, which became finally time-barred five years after it was imposed.]

I demand that collection cease immediately. If you consider the claim still
valid, I request a written account of how the limitation period has been
calculated, including any interruptions.

[DATE]
[FIRST NAME LAST NAME, DATE OF BIRTH]