This may come a little too late. I worked as a collection agent and I can tell you that most states do have statute of limitations. This applies only to the company which granted you the card and it most pertain to the time in which the company can fully write the account off and receive whatever tax it has coming. However, a collection agency can buy the account for a penny on the dollar and attempt to collect the monies owed, plus the collectuion for as long as it wishes. After seven years the account will be removed from your credit report. If you are sure that account is not on your credit report you may ask the collection agency to cease and desist all contact. By law they must.

**Note** If you pay any money at all to the account the seven year period resets.