Legally the collection agencies can chase after you till the day you die. Though there is a statue of limitations (SoL) on the enforcement of debts (it is also called “time barred”). Although as debt’s SoL has expired it doesn’t mean that creditors and collectors won’t attempt to collect the debt. It just means that they can’t use the courts to force you. Every state has its own SoL. You can contact your state’s AG’s office to verify your state’s SoL.
Then you can send a certified letter to a collection company.
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How long can an agency try to collect on a past debt? Where do I find the answer to my question?
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