Can A Collection Agency Send A Notice For Outstanding Credit Card Debt After 7 Years?

Seven years is not the statute of limitations for a debt. That is the amount of time a debt can stay on your credit report. They can try to collect as long as the statute of limitations has not run. Statute of Limitations vary by state.

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They can try but they can't truly collect. You did not incur the debt with them. They purchased it from your creditor. They only collect through intimidation tactics.

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I had a Bank of America Visa from 1989 with my ex and they got a judgement against me and the renewed it ten or twelve years later and then tried to get my bank records and my kids. I had to file bankruptcy to protect myself. I found great advice at a free forum:

forum.freeadvice.comm

there is a legal section there.

I would respond to the complaint. That is the mistake I made that I just ignored it and they did not go away.

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