What is the statute of limitations for credit card debt?

Can I get my money back from the collection agency for a credit card charged off 7 years ago? The money was taken as a wage garnishment last year totalling $1867.20.

Asked on January 16, 2013 under Bankruptcy Law, Connecticut


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Ordinarily the statute of limitations to bring a lawsuit for an unpaid credit card debt is four (4) years from the last payment made. Based upon what you have written, for there to be a wage garnishment, there must have been a judgment against you. If there is a judgment against you that you did not know of, you need to look into the matter.

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