What Happens to Unpaid Credit Card Debt After 7 Years?

Technically speaking, a debt becomes unenforceable after 6 years. However, there are some conditions to this.


In order for the limitation period of your debt to be valid the following conditions need to be met:

  • You have not acknowledged the debt within 6 years, in writing
  • You have not made a payment towards the debt within 6 years
  • The creditor has not pursued the debt through the courts for 6 years after you defaulted.


For more information on Credit Card Debt, take a look at our Credit Card Debt page.

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