General Discussion

Most debts are removed from your credit report
seven years from the date of the first missed payment, while the legal statute of limitations to sue for debt is generally three to six years, depending on the state. After this period, debt is considered "time-barred," meaning collectors cannot legally sue, but they may still attempt to collect.

Although I once read that if you admit to the debt any time after that it comes back to life..Not sure how that works just recall reading that somewhere