Can a debt be chased after 13 years?
Isabella Turner
Updated on February 10, 2026
For most debts, the time limit is 6 years since you last wrote to them or made a payment. The time limit is longer for mortgage debts. Your debt could be statute barred if, during the time limit: you (or if it’s a joint debt, anyone you owe the money with), haven’t made any payments towards the debt.
Can a debt collector come after you after 10 years?
Can I Be Chased for Debt After 10 Years? In most cases, the statute of limitations for a debt will have passed after 10 years. This means that a debt collector may still attempt to pursue it, but they can’t typically take legal action against you.
Can a debt collector get in touch with the original creditor?
If the original creditor cannot get in touch with a debtor it is not uncommon for them to outsource the collection of the debt to someone else. As those who have dealt with them will attest, debt collection agencies tend to be much more ‘thorough’ when finding and collecting debt.
When was I sued by a debt collector?
I was sued by a Debt Collector in March of 2012 For a Discover Card Debt for Aprox. $7,000.00 Destroyed my Credit, I just found … My daughter broke her lease now her landlord is hitting me up for months missed in paying. I received a civil suit asking me to pay back months and damage. … 2010 truck repo – we can’t pay!
Can a creditor tell you not to pay back a debt?
Besides, no one sends you a letter in the post telling you that you don’t have to pay them back anymore. If someone contacts you about a debt that you think might be statute barred, then you can respond by asking the creditor to prove that what you owe is legally enforceable.
How does a judgment work in a debt collection case?
In a debt collection case, the judgment is a court’s decision that you owe a specific sum of money. Armed with the judgment, the holder of the debt, called a “judgment creditor,” can take legal steps to seize the amount. It can also charge interest at a court-approved rate, typically in the range of 5 percent to 10 percent, until you pay up.
