Legal Question in Credit and Debt Law in Maryland

Statute of limitations on credit card debt

Can a collection agency attempt to collect an unpaid credit card debt after 18 years on a person with current perfect credit?


Asked on 2/12/04, 1:14 pm

2 Answers from Attorneys
Carolyn Gilden Krohn Law Offices of Carolyn Gilden Krohn

Re: Statute of limitations on credit card debt

I believe that the statute of limitations does not apply to attempts to collect the debt. It applies to the ABILITY to collect the debt in a legal proceeding. They can attempt, but they will not be successful (unless there has been a payment or acknowledgement of some kind without the past three years), so long as the debtor defends on that basis.

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Answered on 2/12/04, 3:51 pm
Michael Worsham Michael C. Worsham, Esq.

Re: Statute of limitations on credit card debt

No, they can not collect it, or report it on your credit report.

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Answered on 2/13/04, 7:56 am


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