Credit and Debit Cards
Debt Consolidation
Statutes of Limitations
Credit

Can someone be sued for a credit card debt that was written off 22years ago?

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Answer

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Wiki User
12/14/2007

Probably not. Most states say credit accounts and written contracts have a SOL of 5 or 6 years (check your state, it varies!) to collect. But contracts signed under seal (some credit cards are!) may have longer times. And there are many other factors that can toll the SOL time. And the state of the SOL can also vary, since it could be your state of residence, the Company's state or other applicable states. They get to choose! Many times collectors are simply junk debt buyers who troll around looking for people who they believe may pay even if the SOL has run out. They will threaten lawsuits to try to bluff you into paying. If the SOL has run, asking for validation (not verification) including proof that the SOL has not expired often gets them to go away.