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Most debts have a statute of limitations between 3 and 6 years, but some reach up to 15 years 1 The exact time limit for collecting a debt depends on several factors: What type of debt it is The state you live in The state named in your original agreement with your creditor. Legally, a debt collector can pursue old debt indefinitely. “Collectors can try to collect on old debt forever,” says Donald E. Petersen, a Florida consumer protection attorney who defends credit card cases. “I’ve had consumers contact me who are getting calls about debt that’s 14, 15 or 16 years old. The record so far is 21 years.”.
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