If the last time a credit card payment was made was 5 years ago & the credit card company sends debt to collection agency, Can they sue in court 2 get judgment since it's over the time limit? No promises 2 pay. Asked 2 reduce minimum amount due monthly due to husband's heart attack/heart surgery/loss of job/no income & they refused. Wanted to pay my debt & be responsible but if I didn't pay the minimum I got hit with late fees & higher interest. Figured I tried to do the right thing and pay it off slower but they said no way. Therefore, I stopped making payments and instead focused on paying off debts that would work with me. Late fees, interest & higher penalty interest has tripled the original debt. If they send me litigation paperwork, do I ignore it or respond saying they are too late?