About Kathleen Eads Expertise Having spent almost a decade with a Commercial Collection agency, Kathleen
can answer questions related to collections~calls, motivating debtors to pay,
skip-tracing. She now works for National Skip Trace Network (NSTN), providing
premier technological Directory Assistance to the collections (www.nstn.net)
industry via the internet.
Experience
Past/Present clients Travelers Insurance, Nationwide Insurance, CNA Insurance, USF & G, Liberty Mutual, ACS, Asst Acceptance, Pinnacle, Penncro, Superior Asset Mgmt, PRM, Collins Financial, CBE Group
I am continually being plagued by a Florida law office about a credit card debt that has been just over seven years since I have paid anything on it. It doesn't even show up on my credit report anymore. They are threatening to sue me and I want to know if they in fact can or if the statute of limitations has expired. I live in Missouri. Thank you for your help.
Answer DeeDee,
They can attempt to collect forever; however, they can only sue you for a limited amount of time. This is the statute of limitations. Here is a site that explains the statutes by state:
Be careful though. If any payments or updates have been done on the account, it could bring it more current than you think. If it's NOT on your credit report, it may be a non issue. At that point, it becomes a moral and ethical decision as to whether or not you want to take care of it.
