Question: Is there a time limit for collecting debt?
A reader asked: How long can a credit card company contact me about an old debt?
If you haven’t paid your credit card bill, the card issuer can pursue indefinitely for the debt unless you settle the debt or have it discharged in bankruptcy.
The creditor can only list the past due balance on your credit report for seven years.
Finally, the statute of limitations on debt prevents the credit card issuer from taking you to court over old debts, but it doesn’t stop creditors from coming after you for payment.