Yes. The Statue of Limitations on most debt, such as unpaid credit card balances, is four years. This means that the creditor has four years to sue you, or the debt becomes essentially noncollectable in court. However, the Statute of Limitations is an affirmative defense, meaning that it is a defense that you must raise in response to any lawsuit filed against you after the statue runs out. For more on the Pennsylvania Statute of Limitations, see our posts on stopping vulture debt collectors and costly Statute of Limitations mistakes. >>More