It sure seems like it. There are many examples of hard-wired human instincts that help keep us alive. Perhaps the most obvious case is the fight-or-flight response, coined by Harvard University physiologist Walter Cannon in 1915.
There is no time limit on that debt. A collection agency can legally pursue you until the debt is paid in full.   However, there is a time limit on the negative consequences of not paying the debt. In most circumstances that limit is seven years. Seven years from the time you became delinquent with your original creditor.
The annual ADR Limit will be divided by eight to establish the ADR cycle limit which is the maximum number of claims that can be included in a single 45-day period. Recovery Audit Auditors may go more than 45 days between record requests but in no case shall they make requests more frequently than every 45 days.