Got a debt collection letter that's 16 years

by Raymond
(Atlanta, GA USA)


I received a collection letter from an account that is over 17 years ago. Is there an age limit on old account> This doesn't show on my credit report. Hasn't the credit card company already write this off as bad debt? The principal on the account is around 1400 and the interest is 2900 I'm out of work right now. What the best way to handle this collection notices?


Comments for Got a debt collection letter that's 16 years

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Oct 13, 2010
17 year old debt
by: Gerri

Wow, I bet I was a surprise!

Yes, there is a statue of limitations for debts which varies by state. According to our sources, that limit is four to six years for most consumer debts in Georgia. As long as this isn't a tax debt or a student loan, and as long as the creditor has not already obtained a court judgment against you, it sounds like this debt is probably too old for them to successfully sue you to collect.

You can read our advice on using a cease and desist letter to stop a debt collector when they are trying to collect a very old debt. If this collection agency continues to give you problems after you told them not to contact you then talk with a consumer law attorney with experience in debt collection cases. Learn how to get low cost or FREE legal help with your debt collection problem here.

Please keep in mind we are not attorneys, and this is not meant as a substitute for legal advice.

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