I would like to ask limitations on credit card debt for Ontario. My daughter has this credit card debt back from 2003 (last time she made a payment). She is trying to clear up this debt now, so she called the lender. She gave them all her current info work etc etc. She advised them she would like to begin paying her debt back. Now she has received a letter of demand to pay the debt off in 10 days or legal action will be taken against her . This letter looks like a copy of most 3rd party tactics where it has an attorneys letter head . What options are here for her ? Do limitation laws apply? Is she obligated to pay it off in 10 days since they won't accept a payment plan? She wants to do the right thing and pay it back or does limitaions protect her from having a judgement placed against her? Any options you could help with would be appreciated... thanks..