I have recently been contacted by Morgan and Pottinger of Louisville,Ky. about an outstanding credit card bill.I made arrangements to pay the debt. While,I was making payments that went forward put a lien on my property which that said they would not do ,if I paid them.I have never been late on a payment now,they are threatening to garnish my wages. What rights do I have? The was 7 years old before they contacted me.Is there a statue of limitations? I have a contract with them.I have not broken my contract they are paid monthly on time. I even send my payment registered mail.Can I sue them?