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How old is too old for an unpaid bill.  The link below will provide you with a chart of every states Statute of Limitations.  First, however, let me give you some of the basics.

In general, you can expect to have at least 4 or 5 years before an unpaid bill is too old for Debt Collection.  The problem you will have to deal with is that Judges tend to become testy if a bill is more than 2 or 3 years old unless you can provide a reason for the delay.  A good reason would be that you couldn’t locate the debtor, were in ongoing negotiations with the debtor or the debtor had made some payments after the debt was incurred.

Judgments vary widely between States.  A Judgment can be good for 5, 10 or 20 years in your state.  To further complicate the issue, they can usually be renewed but this requires your direct attention to the matter since renewals are not automatic.

The link below has a list of every state and their limitations.  Look up your States information so you know how much time you have.  You will find it is more than you need.  Then you can comfortably send that old bill out for Debt Collection.

Understanding debt collection and background screening best practices can save your business big money. Building up front applicant screening into your business processes costs you very little, but saves you so much in the end. If you haven’t already, partner with a full service debt collection and applicant screening company to guide your business to a place of security and prosperity.


Executive Credit Management is a full-service Debt Collection and Applicant Screening agency with over 20 years experience located in Central New Jersey. We provide excellent service in the following areas: Employment ScreeningBusiness Screening, and Tenant Screening. Executive Credit Management belongs to a number of Skip Tracing databases and offers services to help locate and confirm the current address of missing debtors. Other services provided are: litigation evaluation on all lawsuit decisions, improvement of the quality of the applicant data, Lawsuit Monitoring, Handling of Debtor Disputes. Executive Credit Management features the best Call Monitoring System in the Debt Collection industry.