Technically, a debt collector can come after you forever for defaulted debt…however, once the statute of limitations is up…they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act, you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity.

There is a statute of limitations for credit card debt, which is the amount of time that they can successfully take legal action against you for the debt. This time period varies for each state. You can find this time period for your state by going to the link below and looking under "Open Accounts."

http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml

If your debt is older than the time period listed for your state, they can no longer defeat you in any court action because the debt is time-barred and you don’t have to pay it back. Morality does not come into play with dealing with the amoral, predatory US credit card industry.Yes if they cannot collect on it. I had credit card and personal loan debts that had been passed to debt collection agencies. I visited www.bdebtfree.info to legally challenge them with a view to getting the debts cancelled altogether. The agencies could not try to collect money from me in this situation so they returned the debts to the original lenders.

 

Get more information on how to get out of credit card debt