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Not knowing what type of account you are referring to, it is difficult to say. If it is a judgment, that would depend on what was defaulted on, (real propety, etc). If it is a CC, then I would think the SOL has expired. You should ask for written confirmation of the debt, the amount, the creditor, etc.

There is no statute of limitations on how long a debt can be collected. If you never paid the collection account, you still owe the debt. Creditors and collection agencies can attempt to collect from you indefinitely.

There is a statute of limitations established by the Fair Credit Reporting Act which sets how long derogatory information (like collection accounts) can show on your credit report. There are exceptions to this statute. State laws also establish statute of limitations on how long you can be sued over a bad debt.

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