Actually I think that it is 3 years after the last payment if there is no further activity on the account.
A company actually tried to collect after 14 years from one of my relatives...doubled the original debt, wouldn't
provide any documentation, threatened jail time..you name it. Of course, I put a stop to it.
Don't ever provide documentation, or data to these criminals.
This number has been calling my landline everyday, asking for my wife by the first letter of her name, which indicates they have zero documents in hand. It's absolutely a scam. I recognized the black man's voice from years of similar scam/fraud attempts on me through my mobile number, which is in no way connected to my wife or our landline number. He immediately said he needed the last 4 of the SS#, upon which I told him to fudge himself and hung up.
This is a scam attempt to get the last 4 of your ssn# and an address. What I like to do is start talking about their moms and sisters and objects being inserted in their back door area, if you know what I mean.
If they get an unpleasant picture in their mind, they run away from the call. Thanks them for the service their mom and sister has provided to thousands of men like yourself.