> A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. Most statutes of limitations fall in the three to six years range, although in some jurisdictions they may extend for longer. Statutes of limitation may vary depending on state laws, the type of debt you have, or the state law named in your credit agreement.

https://www.consumerfinance.gov/consumer-tools/debt-collecti...

Someone in a similar situation to yours might consider researching your state's statute of limitations on debt, and if your debts are expired based on that statute, file a complaint with the CFPB, FTC, and your state's attorney general to report a debt collector's FDCPA violations. Not legal advice.