After seven years, unpaid debts will be removed off your credit report. However, what happens next will depend on the state you live in. If you live in a state where the statute of limitations on debt is shorter than seven years, then the debt is time-barred and the collection agency may not be able to file a lawsuit against you. However, that doesn’t mean a debt collector can’t continue to contact you and attempt to collect on the debt. If the statute of limitations is not up after seven years, the debt collector can still sue you for the unpaid debts.