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skyesgma

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How long can an account be in collections?
I have an account showing in collections, but it's for a company that I haven't dealt with in over 10 years. Can the debt collectors really drag out an old account like this, from when I was married?

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Most collections can only be reported on your credit for 7 years, so if it is still being reported on your reports, you should dispute it. As far as them trying to collect, they could try forever if they wanted, but a "cease & desist letter" should make them go away as long as the "statute of limitations" has expired. Look this up for your state as it is different from the seven year reporting period. Also do some reading on the FDCPA (fair debt collection practices act) and I advise that you do not communicate with the debt collector.

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