In my hubby's past life he was married and then divorced. Like many people, he crumbled during this high-stress period. And, as you can tell from our credit situation, he wasn't very educated about credit, finances, and budgeting for personal use. (Ironically, he's a bookkeeper!)
As a result he has a history of "charge offs" from the cards he had back then. It's been almost ten years on some and over seven for all of it. We still get dozens of calls from collectors a week. Check out this post at Broke-Ass Student to see the good info I just found about dealing with these guys and why it's important to NOT enter into an agreement if you're past your states statute of limitations.
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