I owed a debt to an appliance company and I admit that I bought the stove and so forth. But I went through a tough time a few years ago and couldn't pay my debts. I didn't file bankruptcy but maybe I should have. So I bought this stove nearly four years ago and stopped making payments right after that. And now last week I hear from a debt collector about the debt. Can they wait that long to come after me for collection on the old debt? Thanks.