It occured me once too - one of the commercial credit card. I moved but I forgot to change the address of that card... after ~8months, I got a call and he said I had to pay $150 right away otherwise my credit would be seriouly impacted... my balance was ~$40.

I was like... why didn't you find me earlier but the last day? I was arguing with the guy and reduced it to $100... hehe. It wasn't too bad. But be really careful, also some credit cards when you cancelled them, there might be some 'protection' or 'insurance' thing there, and they wouldn't tell you until years later and you'd own them big amount!