16 years after I had a card and NOW they come after me (don't they ever give up?). Plus I owed only $400 and they refuse to correct the amount even though I mailed them and said it was only $400—the Mervyns charge card only had a limit of $400 and they wouldn't let you charge more than that but despite this they won't correct it. Also odd is they keep mailing the letter saying they're offering a "settlement amount" of "only$239.09" which is suspicious since I've heard of scams involving fake settlement offers, if you pay the settlement amount the creditor never gets the money and the "collections agency" takes off with dough
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