Under PA debt collection laws can a credit card company try and collect on a 7 year old debt

Credit Card debt collectio: If i have a credit card debt that is over 7 years old, can they company still try to collect this debt? Also will it still show on my credit report?
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Thank you for the quick reponse. How do I get them to remove this from my credit file?
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Answers (1)

Gabriel Cheong

Gabriel Cheong

Contributor Level 7
Note that I am not licensed to practice in your state.

The statute of limitation for debt collections in PA is 4 years. If in 4 years, you have not made a payment or promised to make a payment and they have not gotten a judgment against you, then you legally am not obligated to pay on that debt after the statutory period.
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