If a creditor "charges off" a debt...can a collection agency file a claim/lien in court if its over 7 yrs. ago

Question

If a creditor "charges off" a debt...can a collection agency file a claim/lien in court if its over 7 yrs. ago

Answer 1

It depends, if the debt is within the statute of limitations for your state...they can...otherwise, no...

Look at the link below and look under "Open Ended " accounts for your state.

Answer 2

i would say yes. my boyfriend filed bankruptcy and a few years later collection agency's tried to still collect the debt and he had to prove bankruptcy papers to them. then they stopped.