The statute of limitations for credit card debts usually START from when the last payment was made, and ends after four (4) years for written contracts or open-ended, and two (2) years for unwritten accounts. After the appropriate time limit for the creditor to file a suit has passed, the debt is considered as a time-barred debt.


However, if the collection agency already filed a suit and a judgment has been made, the best course of action is to work with a lawyer who is an expert in cases involving debts. The attorney would know the next step, such as whether to file a motion or an appeal to reverse the judgment.