Can a Debt Collector Collect After 10 Years?

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If you have debt on your credit reports or are getting calls from a collection agency, you might wonder how long a debtor can try to collect these debts—and how long it can affect your credit score. Can a debt collector collect after 10 years? 15 years? 20 years?

Here’s an overview of the timelines for debt collection and what to do if you’re contacted about an old debt.  

Can a Debt Collector Collect After 10 Years?

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In most cases, no. However, it depends on when you made the last payment.  

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In most states, they run between four and six years after the last payment was made on the debt. This means that even a debt that is older than that may still be able to be collected on if you’ve made a payment sometime in the last four to six years.

How Long Can a Debt Collector Pursue an Old Debt?

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Can a Bill Collector Collect After Seven Years?

Most debts have a statute of limitations that runs between four to six years. However, it’s still possible for a debt to be within the statute of limitations at seven years, depending on the debt, when the last payment was made and where you live.

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1. Ask the creditor to send you written notice of the debt. 2. Validate the debt. 3. Confirm that the debt is within the statute of limitations. 4. Decide on an action.

What to Do If You Are Contacted About an Old Debt

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