My son has an account that was delinquent and charged off over 10 years ago yet this evening we received a call from a credit agency looking for him regarding this debt this is ridiculous they said that they can continue to try to contact him no matter what this debt is over 10 years old what rights does my son have nes. In most states the debt itself does not expire or disappear until you pay it under the fair credit reporting act debts can appear on your credit report generally for seven years and in a few cases longer than that under state laws if you are sued about a debt and the debt is too old you may have a defense to the lawsuit. 6 ways not to reset the clock on old debt dana dratch that clock runs for seven years the credit report clock on a delinquent debt starts six months after you stop paying says chi chi wu . A if a delinquent debt is more than 10 years old it should have already fallen off your credit report if not dispute it with the credit bureaus also chances are those old creditors can no longer legally collect that debt from you but you need to know about two important time frames. If a collection agency follows through with a lawsuit for a credit card debt that is 10 years old you must respond to the lawsuit and use your states expired statute when presenting your case in court otherwise the court has no way of knowing that the creditor lacks the right to sue and will award it a court judgment by default
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