The statute of limitations in Florida on a contract case (that includes credit cards) is normally 5 years. See Florida Statutes sec 95.11 (2) (b) .
If you are sued by a credit card company or a junk debt buyer (a company that has bought your old credit card debt), then the credit card company has 5 years to file suit against you. However I have seen the people who were sued more than five years after the debt was charged off because at some point before the statute of limitations was about to expire they were contacted by the creditor and made a small payment on the debt. That small payment “revived” the statute of limitations and the 5 year period begins to run again.
Filing a bankruptcy will wipe out any obligation to pay the old credit card debt so the statute of limitations does not apply.
If you are being sued by a company for an old credit card debt then you should contact a Ocala bankruptcy lawyer of Laurence A Steel to see if we can help.