As with everything else in life, there are rules and then exceptions to rules. One exception to the time for the running of a statute of limitations is when the debtor leaves the State of Florida. The clock stops ticking. In theory, if the bill was incurred in 2000 and you left Florida in 2001 and just came back, there would be 3 years left to sue fif there was no written contract and 4 years if there was.
I do not believe you nee bee concerned with credit bureau reporting, as account activity more than seven (7) years before can not be reported.
There are cases construing the Fair Debt Collection Practices Act which hold that even asking for payment on a debt that is time-barred is a violation of Federal law. So, if you lived in Florida since 11/2000, the statute would bar the bringing of a law suit and the collection agency would be liable for their asking for money.
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The statute of limitations on a written contract is 5 years. On an oral contract it is 4 years. They can attempt to collect anything even a stale bill. They likely cannot sue you on it, but it can go on your credit report.
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In addition to absence from the state tolling the statute of limitations period, if you have made "voluntary" payments you may have reset the limitations period to re-start from the date of the last payment.Ask a similar question