Well, this tends to be a debt forum, and nobody can file criminal charges against you for taking on debt. (That is, unless you forged someone's signature to get money...)
Did a collector threaten you? Or are you just asking our input for something not related to this site? What happened, and maybe we can get to the bottom of it.
Criminal offenses each have their own SOL. Petty theft charges, for example, may need to be filed within two years. In contrast, the statute of limitations on murder never expires.