One option is to contact your creditor to clarify the details of your debt, and if possible, so that you can come to an agreement regarding other ways for you to pay the debt. And also, depending on the debt, generally there is a 2-year or 4-year statute of limitations for the collection of debt, but this doesn’t stop the creditor from pursuing the case and demand payment. Consult with a lawyer as soon as possible for a more detailed discussion of your situation and other possible options you may have.