Every state has a statute of limitation after which a debt becomes older, a debt collector can no longer pursue legal action against you for payment. You still have an ethical responsibility to settle an old debt even though you can no longer be sued for it.
The statute of limitation in each state protects consumers from getting sued by debtors once the statute has passed and would be considered a violation of the FDCPA (Fair Debt Collection Practices Act) if debtors chose to do so anyway.
The table below demonstrates each state’s statute of limitations for past due debts. Credit cards are considered open accounts and can no longer harass you or try to collect legally past the statute of limitation as shown below which was accurate at the time of publication.