A creditor can legally chase after a debt indefinitely. If you have not acknowledged the debt (either by payment or in writing) or the creditor has not initiated court action within 6 years from the date of which the debt was taken out then the creditor can no longer chase for payment on the debt and the debt becomes ‘Statue barred’. In the case of a mortgage shortfall this period increases to 12 years.

This question has been answered by Christians Against Poverty, a leading debt charity offering hope and a solution to anyone in debt.

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