296 People Helped
Member Since: April 2012
Each state has a limit on debt collection, based upon the last contact you had with each other, as you said.
Each state's limitation is different, though, for different debt types.
In a small nutshell, in Maryland, for example, after 2 years conventional debts become "time barred." This means that although they can continue to harras for the debt, they cannot sue you. This makes it pointless for them to bother.
Keep in mind that each time a debt is sold, time barred or not, a new batch of calls will ensue.
But the advice above is wise. Don't call the company unless you absolutely know they're wrong and you have the documentation to prove it.
CEFreeman's reply was: