Whenever debt collectors call you about a debt that fell into collections years ago, you should do some research. There is a chance that they cannot sue you. It generally takes three to six years for debt collectors to file a lawsuit against you to recover debt. The timeframe varies by state and the specific type of debt. It is no longer possible for debt collectors to sue you to recover the debt after the statute of limitations has expired. Nevertheless, that doesn’t mean you’re off the hook. If creditors do not violate the law in their attempt to collect…