The Statute of Limitations is the time limit a creditor has to file a court judgment to receive payment for a debt incurred.

The statute runs from the date the debt became delinquent until the date a court order is sought.

It sounds as though nothing has been done through the courts (since a collections agency is calling you).

So, according to Florida statutes section 95.11 the written contracts statute of limitations would apply. This limitation in Florida is 5 years.

So, I would suggest telling the collections agency on their next call that the 5 year statutory period has passed and they can no longer collect the debt so you will no longer be answering their calls.

Do note that even though they can't legally obtain an order for collection of the debt after 5 years your Credit Report is still being negatively affected. They will report this as an open delinquent account until you've paid and that will make obtaining any reasonable credit (including credit cards, home loans, car loans, etc) very difficult because it will lower your credit score dramatically.

The credit report is a private reflection of how you pay your debt.

If you don't pay this it will be reflected in your credit score to warn future creditors about the fact that you haven't paid this debt owed.

The only way this wouldn't appear would be if the debt itself was invalid (I.E. They made a mistake and you don't really owe the funds).