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Probably no. Each state has it's own debt collection statutes of limitations.

Passing the collection date does not mean you are not owing, and your credit

score will reflect that you defaulted. If you owe fines, child support, etc. that

won't help get out of those.

Refuse to be contacted further even if your debt is "uncollectible", and do not

pay anything back or arrange for making payments which they will try coaxing

you into doing, using threats to bring legal action to scare you. As long as

you are beyond the expiration date you have nothing to worry about, except

keeping them off your phone and sending threatening looking, or disguised

past-due debt notices. Notify your state to be on its "no calls" list.

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12y ago
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3d ago

In general, creditors can still attempt to collect a debt even after the statute of limitations has expired. However, once the statute of limitations has passed, the creditor no longer has the ability to sue you in court to collect the debt. It's important to be aware of your rights and obligations regarding time-barred debts.

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Q: Can a debt be collect if the statute of limitations has run out?
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Related questions

When does the statute of limitations on credit card debt begin in California?

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