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I Owe a Debt from 7 Years Ago and Just Gave Them a Payment. Will I Still Owe the Debt? – Rachel

“Dear Steve,

I just got a you must pay in full from a debt collector company, I was researching and I believe the statute of limitations on medical bills for the state of Idaho is 7 years.

So my question is my outstanding medical bills are from 2005, and I have just now gotten something from this company that they want to collect now. I gave them some money today just because I don’t want them to try and sue me and tack on attorney fees too… So by doing so if the limitations for them to collect was up and I gave them money any way does that mean that I now am admitting that I owe this debt and have to pay it or is there a way to get out of it completely?


Dear Rachel,

it is my understanding that when you make a payment you start the statute of limitations clock all over again.

You’d have to check with an attorney licensed in your state for a definitive answer though.

The most cost effective way to get out from under a debt completely is through bankruptcy. You can click here to find a local consumer bankruptcy attorney and chat with them about the situation.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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