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Hello, My question is in regards to a collection agency (SoL) Statute of Limitations. I just received a Collection notice from a debt collector regarding a checking account that was over drawn back in Oct, 06 in Ohio, This is the first i am hearing about this and my questions is how long do they have to collect their debt from me, Is a checking account considered a open-ended account or a written contract also coming in 4 months will be 7 years. what legal rights do i have to fight this. i have no problem paying back the debt, but I'm worried it could go on my credit report.