Can a judgment be placed on your home or wages garnished from a 15-16-year-old credit card debt and can they legally place this debt on your credit report after this period of time?

The tricky thing about credit cards is that they never expire so no matter how old it is, they can call it in for collection now and put a lien on your home. If the debt is still active, then it can be on your credit report as well. It has to be settled in order for it to go the full 7 years and dissappear from your record.

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