Stephanie, everything depends on the age and type of the debt, as well as the state you live in. The statute of limitation is different for every state. I would really need more information to advise you on what to do.
What type of debt is this? (Auto loan? Credit card? medical bill? etc...)
When was the account opened?
When did the account become delinquent?
Who currently owns the debt? (The original creditor or a collection agency?)
What state do you live in? (What state did you live in when you incurred the debt?)... more
I just sold a house to some clients I have worked with for a couple of y ears. They found a they loved - a sense of community, amenities, back yard with a creek, very attractive shingled home with lots of charm. I had the welcome wagon from the community call me to check on whether or not my clients had moved in - "we're behind but don't want to forget them".
I was impressed.
Would be happy to introduce you to them and show you around the neighborhood,.