Legal Question in Credit and Debt Law in Wisconsin

Yes, any creditor can send bills older than the statute of limitations, but you, in turn, can refuse to pay them, and, with the help of an attorney, assert the statute of limitations as a defense if you are sued. However, there may be no way collection activity on your credit (other than filing a dispute with the credit bureaus). Payments on any such account also restart the statue of limitations, which means that you would probably lose if the matter went to litigation. Other legal defense such as lasches or equitable estoppal, might still be available to you, however.

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