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Can a credit card company get aa judgement 20 years after the account went bad?
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Yes and no, If they have/had a judgment against you, depending on your state laws, a judgement is good for 10 years and can be renewed for another 10 years in the state of California, therefore if they did it within your state laws and within the statutue allowable time than maybe yes.  

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Check with your State Consumer Protection department.  Good Luck.

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