The debt only goes away when it's paid. There is a statute of limitations on how long you can be sued for it, 5 years in Iowa, and it can't be reported on your credit report after 7 years from the last activity on the account. (payment or acknowledgement of the debt) From time to time I get calls on bills my ex wife skipped out on 10 years ago. My answer is always, "Not my debt. Not going to pay you. Never contact me again. Report it on my credit and I'll sue you for slander. Don't like any of these answers? Take me to court." If they do file a legal action, be sure to show up and point out to the judge they are time barred from taking any action. There are also laws that collectors must abide by. They cannot threaten to have you arrested, show up at your employer, or call outside certain hours of the day. If they break any of the laws under the "Fair Debt Collection Act", you can sue them and win.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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