<prompt>  Human: I left the Army in 2007. I ran into a lot of financial and personal problems shortly after getting out, had two cars repossessed, got divorced, and was living with anyone that would let me crash on their couch for years. Ten years later and Im finally feeling like Ive pulled my life together. I went to college, landed a decent job making about 50k a year, and paid off all the debt I built up during that transition period after leaving the Army. As of about a year ago I am debt free except a single credit card that I pay on time. I monitor my credit report regularly and as of today I have a credit score of 696. The highest its ever been and was feeling a little excited that Ill break 700 in the next month or two. Now, out of the blue I have a bill for over 9,000 with Exchange Credit, where they have been charging 17.22 APR for the last 10 years. For those that dont know, Military Star or Exchange Credit is the equvilant of a store credit card for the Military PX aka AAFES. One of the logos on the invoice is the seal for the Department of Defense. I dont deny having the credit card, but I think my limit was about 2,000, with maybe 1,000 charged on it. Part of the reason I was so easy to neglect any debt is that they cut off my access to the account shortly after I left the Army. I dont know how soon after, but remember only about a week after I left the Army I was unable to log into their website and make a payment. Ive also learned they have an offset think thats the right word on my tax return so Im holding off on filing my refund. What little savings I did have I just spent to visit my kid recently who lives with her mother across the country, and was hoping this tax return would give my bank account a bounce back leaving me a little bit of a cushion and some emergency funds. During college, I was overpaid from the GI Bill one spring semester and was told to wait until the fall semester for them to deduct it from my next payment. That debt showed up on my credit report. This Exchange Credit debt has never once surfaced on my credit report and until seeing the recent letter in the mail I had completely forgotten all about it. Theyve never made an attempt to contact me directly. Ive lived in the same apartment for 3 years and have had the same phone number for at least 5 years. Its just some random 10 year old forgotten mistake reminding me what a fuck up I used to be. Best case I can think to resolve this right now is to try and get them to give me a settlement price which will still be 4-6 times more than my original debt, get a small personal loan to pay it off, and then try to get back to my current financial state in a couple years. Seeing this bill creep up this way after so many years, after thinking things are finally getting better, could not feel more depressing financially. At the very least I thought I had put that part of my life behind me. My questions for you guys are: Is there a way I can dispute this? Are there any statue of limitations on a debt this old? If so, does that apply to a creditor that has the US Treasury backing them? or is that just a scare tactic? Also, is there anyway I can file taxes without them taking it? 