So back in March of 2000 I had a bank account at washington mutual. I overdrafted it and never paid it back. I never heard anything from anyone about it, but I was put on chexsystems for it. Just last night I get a letter in the mail from a collection agency about this debt. Now the statute of limitations in my state is 6 years . . . . From what I understand about credit reporting (for which they just recently put the debt on my report as March 2006, and I'm disputing that)there is a 6 month period from when your last payment is done and the 6 years start.